Xinhua News Agency, Beijing, February 25 (Reporter Li Yanxia) Since the outbreak, the CBRC has issued some policies to encourage banking financial institutions to help enterprises overcome difficulties. Xiao Yuanqi, chief risk officer of the China Banking Regulatory Commission, said on the 25th that these policies are only staged policy measures aimed at companies affected by the epidemic, and are designed to help companies with special difficulties out of the predicament. They have not relaxed their regulatory standards.
Xiao Yuanqi said at the press conference of the China Banking and Insurance Regulatory Commission on the 25th that in order to deal with the impact of the epidemic, some temporary temporary policy measures have been adopted, such as encouraging banks to delay the repayment of interest on the company by stages, etc. The policy is conditional: first, the enterprise does encounter special difficulties due to the impact of the epidemic; second, the enterprise submits an application, and the bank and the enterprise negotiate and decide; third, there is a time limit, and the scope of the loan is due before June 30, 2020.
"If the epidemic situation passes and the normal production and operation activities resume, the enterprise still cannot repay the principal and interest. The bad credit should still be counted as bad credit." Xiao Yuanqi said, "These temporary measures are also for risk prevention. If During the epidemic, the capital chain was tight, and if the banks did not help, it could become a bad loan. "
Will the non-performing loans in the banking industry increase significantly due to the epidemic? Xiao Yuanqi said that it is expected that the non-performing loans will increase slightly in the short term, but the scope is limited and the impact is not large. Most of the companies that cannot repay on time are due to temporary operating difficulties due to external factors.
"Non-performing loans in the banking industry are generally controllable. We have a provision of nearly 6 trillion yuan, which is about twice the balance of non-performing loans. The capital adequacy ratio of the banking industry has reached 14.64%. Resistance. "Xiao Yuanqi said.
Will there be uniform regulatory standards for deferred repayment of personal credit loans affected by the epidemic? Xiao Yuanqi said that the specific arrangements should be judged by the bank according to the customer's situation. Because the situation of customers varies widely, the demands and impact levels, credit history, and repayment ability are different, and the bank must make independent analysis and judgment based on the situation of the customer group.
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