February 1, the Central Bank, Ministry of Finance, Banking and Insurance Commission, Securities Supervisory Commission, Foreign Exchange Bureau of the five departments jointly issued a "notice on further strengthening financial support for the new coronavirus infection of pneumonia infection" . Next, the gold investment editor will introduce the epidemic bank loans
The notice asked to encourage banking institutions to support the relevant enterprises to overcome the epidemic by appropriately lowering the loan interest rate, improve the policy arrangements for sustained lending, and increase credit loans and medium- and long-term loans. Banks have since launched a series of policies to support the pneumonia epidemic.
1. Bank of China
Further increased credit support for small and medium-sized enterprises (SMEs) and improved the efficiency of examination. For small and medium-sized enterprises (SMEs) and individual stores in industries related to the epidemic response and in key areas of the epidemic response, the preferential treatment will be further increased in accordance with the current low interest rate level in the market.
For medical personnel, government employees, diagnosed patients, suspects and their spouses who participated in the epidemic prevention and management, if their personal loans and credit cards from Bank of China, BOC Fudeng Village Bank and BOC Consumer Finance Co. expired during the epidemic, they will be given a grace period for repayment without violating the contract and will not be counted in the record of the expiration of the individual's application for employment. The relevant interest and late payment fees can be reduced, you can apply for levy repair .
In addition, the Bank of China Hubei branch emergency release of the epidemic prevention management during the personal customer service measures 16, involving small and medium-sized enterprise credit support, personal loan repayment grace period extension, the epidemic prevention management personnel credit card overdue is not counted as a violation of the contract, for the Hubei region card household division customers to provide 50% discount exchange rate concessions, network banking donations
People attending the epidemic countermeasures personal loans Late is not considered a violation of the Hubei region personal loan repayment grace period extended to 11 days, Hubei region affected by the epidemic temporarily lost their source of income can be extended depending on the circumstances of the repayment plan for 3 to 6 months .
2, Industrial and Commercial Bank of China
Special services for pharmaceuticals, medical devices, medical institutions, public **** health infrastructure construction, scientific research and research, and other sectors, to open up a green channel, through special service programs, credit scale allocation, preferential interest rates and other measures to actively meet the reasonable financing needs.
Eligible small and medium-sized enterprise loans with the approval. Small and medium-sized enterprises in the Hubei region, individual stores operating loans and pharmacies dealing with medical insurance loans, interest rates in the current market on the basis of the low level of further concessions.
Participation in the epidemic prevention and management of medical personnel, staff, diagnosed patients, suspects and their spouses, ICBC personal loans during the epidemic, credit card overdraft inconvenience repayment period expired, ignoring the violation of inclusion in the list of defaulting customers.
3, Agricultural Bank of China
Comprehensive protection of health epidemic prevention, pharmaceutical product manufacturing and procurement, public **** health infrastructure construction, scientific research offensive and other financial needs. Wuhan Vulcan Mountain, Thunder Mountain hospital project construction credit needs, comprehensive protection of Wuhan City, pharmaceuticals, medical equipment, epidemic prevention materials production enterprises credit needs, comprehensive protection of the production of epidemic corresponding to the urgent need for materials in the restricted industry legal person customer additional credit needs, comprehensive protection .
Popularized small and medium-sized enterprises in Hubei Province, especially in line with the 10 billion yuan credit scale. Reasonable credit needs of inclusive small and medium-sized enterprises in industries related to the epidemic response in other provinces are fully guaranteed.
Establishing a green channel for epidemic prevention and management review and examination, and prioritizing and immediately reviewing the credit business involving epidemic prevention and management, special affairs and urgent matters. Put down the epidemic countermeasures medical and health supplies and other industries, enterprises credit license, simplify the review process, improve the efficiency of the review.
Epidemic countermeasures related industry loans, the implementation of the most favorable interest rates. Among them, the Hubei Province, inclusive of small and medium-sized enterprises, individual stores and private entrepreneurs operating loans, according to the existing interest rate reduced by 0.5 percentage points.
To the wholesale and retail, accommodation and catering, logistics and transportation, culture and tourism industries that have been greatly affected by the epidemic, as well as enterprises with development prospects but temporary difficulties, the strict implementation of the non-loan, non-loan, non-loan, according to the actual situation, through the credit restructuring, loan extension loan interest rate and repayment plan adjustments, credit loan increases, medium and long-term loans and other risk solutions to fully support the production and operation of the Recovery .
The impact of the epidemic temporarily lost the source of income of customers, flexible adjustment of housing loans, credit cards, farm loans and other personal credit repayment plan, a reasonable extension of the repayment time. Under the premise of compliance with laws and regulations and supervision provisions, employees participating in the epidemic prevention and management of personal loans and credit cards expired during the epidemic, temporarily not be regarded as a violation of the contract, do not enter the list of customers in violation of the contract, and do not levy fines.
For other personal loans, credit card overdrafts, and farm loans that are affected by the epidemic and are not due to personal subjective reasons, they are not considered to be in breach of contract, are not included in the list of customers who are in breach of contract, and are not levied a fine.
Reducing the handling fee for payment of electrical goods in the infected area and the handling fee for payment of wages in the immunized area.
4, Construction Bank
Participating in the epidemic prevention and management of medical personnel, government employees, during the epidemic in China Construction Bank's personal loans, credit cards expired, is not considered to be in breach of contract, not included in the list of defaulting customers. For enterprises that encountered temporary difficulties due to the impact of the epidemic on their normal operations, full support for credit restructuring and reduction of overdue interest will be provided according to the actual situation.
Full support for the credit needs of enterprises in the research, production and procurement of medicines, medical devices and related materials required for the prevention and control of the epidemic, the implementation of a rapid credit approval process, the full satisfaction of the credit scale, and the implementation of preferential interest rates.
Operational loans for small and micro-enterprises and individual industrial and commercial households in Hubei Province, reduce the interest rate by 0.5 percentage points on the current basis.
5, Bank of Communications
Opening a green channel for credit review. Support the financing needs of enterprises in the research, production, procurement and industrial chain of medicines, protective supplies, medical equipment and other materials required for epidemic prevention and management, support the construction of specialized facilities for epidemic prevention and management, ensure sufficient credit scale, and reduce or waive preferential interest rates and fees. Corresponding small and medium-sized enterprises, individual labor stores operating loans, on the basis of the current interest rate decreased by 0.5 percentage points.
Support the normal operation of enterprises affected by the epidemic. For enterprises affected by the epidemic and experiencing temporary difficulties in operation, according to the actual situation, extend the repayment period, reduce or waive the overdue interest, do not repay the current loan, credit restructuring and other support for the normal operation of enterprises.
Optimizing personal credit services for those involved in the epidemic response. For employees participating in the epidemic prevention and management, personal loans and credit cards of the Bank of Communications that expire during the epidemic will not be considered as a violation of the contract and will not be included in the list of customers who violate the contract.