Banking Insurance Regulatory Commission: Delay of loans due to epidemic factors will not affect pers

银保监会近日发布《关于进一步做好受疫情影响困难行业企业等金融服务的通知》（以下简称《通知》），其中明确，对于Delayed loans adhere to the judgment of substantial risk during the delay, and do not reduce the loan risk classification due to epidemic factors, do not affect credit records, and avoid penalties.

A total of 42 \"Notice\", mainly from increasing credit support, doing a good job of continuous financing arrangements, proper improving non -performing loan tolerance, continuous improvement of service efficiency, innovative credit service model, improving the assessment incentive mechanism, exerting play, exerting play The insurance guarantee function and other aspects have put forward work requirements for financial services such as further affected by the epidemic affected by the impact of the epidemic.

The \"Notice\" emphasizes that financial institutions such as commercial banks should continue to negotiate with small and medium -sized enterprises (including small and medium -sized enterprises), individual industrial and commercial households, and truck drivers in accordance with the principles of marketization. Interest interest, strive to delay the extension. For people who are infected with new crown pneumonia's hospitalization or isolation, affected by the epidemic affected by isolation observation or loss of income sources, financial institutions have a reasonable delay in the repayment time, extended loan period, extension of the loan of personal housing, consumption, etc. Adjust the repayment plan in this way.

The \"Notice\" encourages banking institutions to appropriately improve the tolerance tolerance to the relevant industries within a specific time affected by the epidemic, optimize the adjustment of the assessment mechanism, and implement the duty -free system. At the same time, the \"Notice\" requires bank insurance institutions to strictly implement various financial services charging policies, and encourage and increase discounts for financial services charges for enterprises in industries due to epidemic situations. In areas that are more affected by the epidemic, the insurance institutions are encouraged to appropriately extend the policy to pay premiums in accordance with the actual situation.

The \"Notice\" pointed out that the supervisory and dispatch agencies at all levels should combine the changes in the epidemic situation and the impact of the regional economy, and jointly introduce regional financial support policies in a timely manner. At the same time, it is necessary to strengthen supervision and guidance and evaluation, correct issues such as inadequate implementation policies and implementation, etc., and effectively improve the quality and efficiency of financial services in enterprises in the past.

Produced by Chinese Consumer Newspaper New Media Editorial Department

Source/China Consumer News

Reporter/Nie Guochun [ 123]

Edit/Du Ke

Producer/He Yongpeng Ren Zhenyu

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