Zhongxin Finance, June 3. According to the official account of the "China Banking and Insurance Regulatory Commission", the China Banking and Insurance Regulatory Commission issued the "Notice on Further Improving Financial Services for Enterprises in Difficult Industries Affected by the Epidemic" (hereinafter referred to as the "Notice") to guide banking and insurance institutions. Further strengthen financial support for companies in industries severely affected by the new crown pneumonia epidemic.
The "Notice" requires that regulatory authorities at all levels, banking and insurance institutions and relevant industry associations should adhere to the inclusiveness and people-oriented nature of financial services, effectively enhance their sense of social responsibility, take targeted and effective relief measures, and support temporary distressed industries. Overcoming difficulties and recovering development.
The "Notice" includes 42 articles in 12 parts, which mainly focus on increasing credit support, making continuous financing arrangements, appropriately increasing tolerance for non-performing loans, continuously improving service efficiency, innovating credit service models, improving assessment and incentive mechanisms, and giving full play to insurance In terms of security functions and other aspects, work requirements have been put forward for further improving financial services for enterprises in industries that are temporarily in distress due to the impact of the epidemic.
The "Notice" requires that banking institutions should meet the reasonable and effective credit needs of enterprises in industries temporarily trapped by the epidemic in a timely manner, and
strive to achieve sustained and steady growth in credit balances in industries seriously affected by the epidemic, such as accommodation, catering, retail, culture, tourism, and transportation. Banking institutions are encouraged to appropriately increase the tolerance of non-performing loans in relevant industries during a specific period of time affected by the epidemic
.
At the same time, banks are required to optimize and adjust the assessment mechanism and implement the due diligence exemption system.
The "Notice" emphasizes that commercial banks and other financial institutions should continue
to negotiate independently with small and medium-sized enterprises (including small and medium-sized business owners), individual industrial and commercial households, truck drivers, etc. in accordance with market-oriented principles, implement deferred repayment of principal and interest on their loans, and strive to do Until it should be delayed
.
For those who are hospitalized or quarantined due to infection with COVID-19, quarantined and observed due to the epidemic, or who have lost their source of income, financial institutions will flexibly adopt reasonable delays in repayment time, loan term extension, and deferral of repayment for their existing personal housing, consumption and other loans. Adjust the repayment plan in this way.
For deferred loans, substantive risk judgment is adhered to during the extension process, and the loan risk classification is not lowered due to the epidemic factor alone
, and the credit record is not affected, and penalty interest is waived
.
The "Notice" clarifies that banking and insurance institutions must strictly implement various financial service charging policies, and
encourage more preferential reductions and exemptions for financial service charges for enterprises in industries temporarily distressed by the epidemic
.
In areas severely affected by the epidemic, insurance institutions are encouraged to appropriately extend the expiry date of the policy or defer the collection of premiums according to the actual situation.
The "Notice" pointed out that the regulatory agencies at all levels should take into account the changes in the epidemic situation and the impact of the regional economy, and jointly issue regional financial support policies with relevant departments.
Banking and insurance institutions should improve and refine special systems or measures for financial services such as industries and enterprises temporarily in distress due to the epidemic, and ensure that relevant relief policies are effective.
Regulatory departments at all levels should strengthen supervision, guidance, evaluation and inspection, correct problems such as inadequate implementation of policies and deviations in implementation, and effectively improve the quality and efficiency of financial services for enterprises in distressed industries.
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