What should individuals and enterprises with loans do when they encounter the above problems in epidemic prevention? Can the bank give us a grace period? The answers of the five ministries and commissions are: flexible adjustment of housing mortgage and reasonable delay of repayment period!
What about the extension and repayment of personal loans and corporate loans affected by the epidemic?
Faced with the doubts and concerns of individuals and enterprises, five ministries and commissions of China People's Bank, Ministry of Finance, China Banking Regulatory Commission, China Securities Regulatory Commission and Foreign Exchange Bureau responded quickly.
On February 1 day, five ministries and commissions jointly issued the Notice on Further Strengthening Financial Support for Prevention and Control in novel coronavirus to strengthen financial support for epidemic prevention and control.
The core content is:
1. Maintain reasonable and sufficient liquidity and increase monetary and credit support;
2. Reasonable allocation of financial resources to ensure people's daily financial services;
3. Ensure the safety of financial infrastructure and maintain the smooth and orderly operation of financial markets;
4. Establish a "green channel" to effectively improve the efficiency of handling foreign exchange and cross-border RMB business;
5. Strengthen the leadership of the Party in the financial system to provide a strong political guarantee for winning the epidemic prevention and control war.
The notice clearly stated that differentiated preferential financial services should be provided to regions, industries and enterprises that are greatly affected by the epidemic.
During the epidemic prevention and control period, the central bank will provide 300 billion yuan of low-cost special refinancing funds to major national banks and some local corporate banks in key provinces (cities, districts) such as Hubei, and require banks that have obtained refinancing funds to provide credit support at preferential interest rates to important pharmaceutical and daily necessities manufacturers.
On the morning of June 365438+1October 3/KLOC-0, the People's Bank of China has called a meeting of relevant banks, requiring all commercial banks to actively strengthen the docking with relevant enterprises on the list, provide sufficient credit resources, and fully meet the reasonable financing needs of key enterprises.
For individuals:
1. Require financial institutions to give appropriate preferential credit policies to those who are hospitalized or isolated with new pneumonia, those who need isolated observers for epidemic prevention and control, those who participate in epidemic prevention and control, and those who temporarily lose their income sources due to the epidemic;
2. Flexibly adjust the repayment arrangement of personal credit such as housing mortgage and credit card, and reasonably postpone the repayment period. If the repayment is overdue due to inconvenience during the epidemic, it will not be included in the credit record.
For enterprises:
1. Support related enterprises to overcome the impact of epidemic disasters by increasing financing support, appropriately reducing loan interest rates, and increasing credit loans and medium and long-term loans. Enterprises seriously affected by the epidemic situation may extend or renew their loans if it is difficult to repay them at maturity.
2. For wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries that are greatly affected by the epidemic, as well as enterprises that have development prospects but are temporarily affected by the epidemic, especially small and micro enterprises, financial institutions shall not blindly lend, cut off loans or pressure loans.
3. Establish a "green channel" for financial services, simplify business processes, and improve the efficiency of financial services such as loan approval.
4. For the capital demand of epidemic prevention units and enterprises with market financing difficulties, development policy financial institutions should strengthen overall coordination, adjust credit arrangements according to their own business scope, and reasonably meet the needs of epidemic prevention and control.
The central bank requires that all levels of government financing guarantee re-guarantee institutions should cancel the counter-guarantee requirements and reduce the guarantee and re-guarantee fees. For financing guarantee re-guarantee institutions in areas with severe epidemic, the national financing guarantee fund will charge re-guarantee fees by half. The next step will be to further strengthen related financial services.
Source = Central Bank Editor = Yang Yang Editor = Xu Hong
Article source: Xi An Property Market