Mortgage and credit card delayed repayment ... Enshi issued "17 document" on financial services.

February 10, Enshi Central Branch of China People's Bank? Enshi Supervision Branch of Bank of China Insurance Regulatory Commission? , Enshi Local Finance Bureau jointly issued the Notice on Forwarding: Increasing Financial Support for Epidemic Prevention and Control, which introduced 17 measures from four aspects: improving the payment efficiency of epidemic prevention and control funds, improving the daily service and safety maintenance of epidemic prevention and control, establishing convenient channels for foreign exchange and cross-border RMB business for epidemic prevention and control, strengthening financial services, fully supporting novel coronavirus's prevention and control, and doing a good job in related financial services and emergency support.

According to the notice, our state encourages banking institutions to reduce the cost rate. For key enterprises, including small and micro enterprises, which produce, transport and sell key medical prevention and control materials and daily necessities, on the basis of giving half of the financial discount, we will ensure that the enterprise loan interest rate is lower than 1.6%, and for enterprises related to epidemic prevention and control and small and medium-sized enterprises with financial difficulties, it will be at least 5% lower than the original loan interest rate. In 2020, the comprehensive financing cost of Pratt & Whitney Micro will drop by 0.5 percentage points. Open up a green channel to ensure that the funds give priority to meet the emergency fund needs of enterprises directly or indirectly involved in epidemic prevention and related health and epidemic prevention, medical equipment production, construction, material transportation and so on. For enterprises that are greatly affected by the epidemic and encounter temporary difficulties but have development prospects, especially small and micro enterprises and private enterprises, we will not blindly borrow, cut off or suppress loans, and actively take measures such as extending loans, renewing loans without repayment, and exempting penalty interest. Actively promote government financing guarantee institutions at all levels to cancel counter-guarantee requirements and reduce guarantee fees. For small and micro enterprises seriously affected by the epidemic, the guarantee rate will be reduced to below 1%.

Delay the repayment period of mortgage and credit card. For those who have temporarily lost their livelihood due to the epidemic, the repayment period of personal credit such as housing mortgage loans and credit cards will be reasonably delayed. Fully consider the impact of the epidemic, study and formulate four types of special overdue credit records adjustment identification standards and processing procedures, and rationally adjust the submission methods of four types of special overdue credit records. During the period of epidemic prevention and control, the overdue records of information subjects involved in fighting the epidemic should be appropriately increased. Establish a "green channel" to deal with credit objections in a special period.

Improve the payment efficiency of epidemic prevention and control funds and establish convenient foreign exchange and cross-border business channels. Appropriation of epidemic prevention and control funds, simplifying business procedures, building a "green channel" for epidemic prevention and control funds, implementing "special handling, on-site handling, first handling and then making up", simplifying the process of opening accounts for enterprises such as epidemic prevention materials production and scientific research, and encouraging continued reduction or exemption of service fees for charitable accounts or special epidemic prevention accounts. For the purchase and payment of imported epidemic prevention and control materials that do not conform to the current laws and regulations, but have a real trading background, financial institutions can communicate with the local foreign exchange bureau in advance and handle the business first, and handle it 20 days after the date of purchase and payment. Report to the local foreign exchange bureau within working days. Purchase and pay foreign exchange for genuine and legal epidemic prevention and control materials, simplify business processes and review materials, and directly handle the purchase and payment procedures with payment instructions.

Source: Enshi on the cloud