The State Treasury at all levels of the People's Bank of China and the agency branches of commercial banks should strengthen the allocation of special funds for epidemic prevention and control, open a green channel for fund allocation, and deploy personnel to stand by at any time. All banking institutions and payment institutions should ensure the smooth flow of funds and the safe operation of the system, fully guarantee the allocation of funds for epidemic prevention and control, and improve the efficiency of emergency cash withdrawal, fund transfer and accounting treatment; The payment business involving epidemic prevention and control funds should be settled no later than T+ 1, and T+0 and D+0 are encouraged to settle.
Second, guarantee basic financial services.
All financial institutions should reasonably arrange their business outlets and business hours. If the business is temporarily closed or business hours are adjusted due to the epidemic, it should take the initiative to explain and provide alternatives to ensure that basic financial services are not interrupted. Open a green channel for financial services for epidemic prevention and control, provide emergency services such as emergency cash withdrawal for government agencies and related enterprises and institutions, and provide on-site services when necessary. Do a good job in cleaning and disinfecting business premises and service facilities, encourage customers to handle business online, and use self-service machines to divert customers.
Third, ensure a safe and reliable cash supply.
The withdrawal demand of the issuing bank of the People's Bank of China for banking financial institutions and the large cash demand of banking financial institutions for purchasing epidemic prevention and control materials for enterprises and institutions should be met in time. Cash returned by farmers' markets, bus companies, etc. Packed in different bags and marked with special marks. Cash returned by hospitals, isolation units of suspected infected persons, etc. It should be handled as required and stored separately to ensure the safety, hygiene and neatness of RMB circulation.
Fourth, facilitate cross-border revenue and expenditure for epidemic prevention and control.
For the import settlement of epidemic prevention and control materials required by local governments, enterprises and institutions, all relevant banking institutions should simplify their business processes and improve their handling efficiency. Enterprises do not need to submit documents one by one in advance to handle capital account income settlement payment and cross-border RMB payment related to epidemic prevention and control, and conduct spot checks on the authenticity of the use of funds afterwards. Foreign exchange or RMB donated funds remitted from abroad for epidemic prevention and control can be handled through the current account foreign exchange settlement account or RMB settlement account of the recipient unit without opening a separate account; If the payee does not open a foreign exchange settlement account, the bank can directly settle the foreign exchange for it and enter it into the account. For personal foreign exchange business involving epidemic prevention and control, special emergency treatment can be carried out and relevant supporting materials can be supplemented afterwards. Foreign exchange business of other special capital projects related to epidemic prevention and control can be handled in advance and reported to the local foreign exchange administration department for the record.
Verb (abbreviation of verb) increases the support of special financing.
All financial institutions should take the initiative to strengthen the docking of production enterprises, scientific research units, logistics retail and medical institutions related to epidemic prevention and control, actively meet the reasonable financing needs of health and epidemic prevention, pharmaceutical product manufacturing and procurement, public health infrastructure construction, scientific research, and necessary living materials supply, list the credit scale, simplify the examination and approval process, provide preferential interest rates (rates), and reasonably arrange the financing period. Encourage banking institutions to provide more favorable financial services to relevant units and staff in the front line of epidemic prevention and control by adjusting regional financing policies, internal fund transfer pricing and performance appraisal methods. The amount of foreign debts related to epidemic prevention and control borrowed by enterprises is not limited.
Six, do a good job in financial services for enterprises and individuals affected by the disaster.
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 with development prospects but temporarily trapped, shall not blindly lend, cut off loans or pressure loans. Support disaster-stricken enterprises to hedge risks by using insurance and futures markets. Encourage banking institutions to support related enterprises to overcome epidemic disasters by appropriately reducing loan interest rates, improving loan extension policy arrangements, and increasing credit loans and medium and long-term loans. For those who have temporarily lost their source of livelihood due to the epidemic, they should be appropriately inclined in the credit policy, flexibly adjust the repayment arrangements, and reasonably postpone the repayment period. Do a good job in verifying and informing the overdue and other bad information before submission, and timely verify and properly handle objections and complaints due to bad credit records in epidemic prevention and control.
Seven, strengthen the guidance of monetary policy tools.
All branches of the People's Bank of China should comprehensively use credit policies to support refinancing, rediscount, standing loan facilities and other monetary policy tools to enhance the financial supply capacity for epidemic prevention and control. Give priority to meeting the refinancing and rediscounting needs of enterprise financial institutions to support epidemic prevention and control, and give priority to supporting the rediscounting of bills issued and received by pharmaceutical, protective equipment, medical devices and other production enterprises. Accelerate the reform of LPR, guide the downward trend of social financing costs, especially reduce the financing costs of epidemic prevention and control enterprises and enterprises in the field of people's livelihood.
Eight, improve the level of underwriting claims service.
Actively investigate customer underwriting and accidents, appropriately expand the scope of liability, open a green channel for customers infected with novel coronavirus, simplify the claims process, improve the timeliness of claims service, and pay in full and on time to ensure that all claims should be made. Customers who meet the underwriting conditions shall not refuse insurance in any way. Encourage insurance institutions to provide more preferential and comprehensive insurance services for relevant units and personnel in the front line of epidemic prevention and control.
9. Maintain a stable and orderly operation of the capital market.
Guide listed (listed) companies to disclose information related to the epidemic in accordance with the law, keep the communication channels of investors open, protect investors' right to know, and prevent speculation and misinterpretation of policies. Actively guide investors to rationally and objectively analyze the impact of the epidemic, uphold the concept of long-term investment and value investment, and carry out investment activities in accordance with laws and regulations. Promote the listing and cultivation of enterprises affected by the epidemic, and assist listed reporting enterprises seriously affected by the epidemic to disclose information. Trading places around the country should guide both parties to properly negotiate and dispose of the transactions that are suspended due to the epidemic or the contract cannot be fulfilled, so as to avoid blindly canceling the transactions or treating them as breach of contract. Exempt or reduce the listing financing expenses of health service enterprises listed in the four-board market.
X. Give play to the supplementary role of local financial institutions.
Local financial institutions should take the initiative, actively make up the position, and provide relevant financial services around the epidemic prevention and control industry chain such as health and epidemic prevention, pharmaceutical product manufacturing and procurement. Small loan companies, financial leasing companies, commercial factoring companies and pawn shops should optimize their service processes, broaden the scope of mortgage collateral and reduce the level of interest and expenses. Financing guarantee companies and credit enhancement companies should strengthen the functions of credit enhancement and risk segmentation, explore the linkage between investment and commitment business, and provide diversified services such as investment, credit enhancement and risk segmentation for industries related to epidemic prevention and control.
XI。 Maintain the safe and smooth operation of regional finance.
Editor Yang Yutong