Legal analysis: According to the notice issued by the local CBRC, some areas are not overdue and can postpone repayment. In some areas, the China Banking and Insurance Regulatory Commission issued a notice of deferred repayment. Taking Sichuan Province as an example, the notice said: for medical staff and government functionaries involved in epidemic prevention and control, personal loans and credit card overdrafts are overdue during the epidemic prevention and control period, which is not regarded as a breach of contract and is not included in the list of defaulting customers. For infected persons, isolated persons, prevention and control workers and those who have temporarily lost their sources of livelihood due to the COVID-19 epidemic, all banking institutions should postpone the repayment arrangement of personal credit such as housing mortgage and credit card until the end of the first-level response in the province; Within three months after the first-level response, the repayment arrangement should be flexibly adjusted based on the actual situation of the relevant personnel and on the basis of full communication and consultation.

Legal basis: People's Republic of China (PRC) Law on the Prevention and Control of Infectious Diseases.

Article 42 In the event of an outbreak or epidemic of infectious diseases, the local people's governments at or above the county level shall immediately organize forces to carry out prevention and control in accordance with the prevention and control plan and cut off the transmission route of infectious diseases. When necessary, the following emergency measures can be taken and announced after being approved by the people's government at the next higher level: (1) restricting or stopping performances in markets, theaters or other places where people gather; (2) suspension of work, business or classes; (three) closed or sealed public drinking water sources, food and related items contaminated by infectious disease pathogens; (4) controlling or culling wild animals, domestic animals and poultry infected with the epidemic; (five) closed places that may cause the spread of infectious diseases.

Article 45 In the event of an outbreak or epidemic of infectious diseases, the State Council has the right to urgently mobilize personnel or reserve materials and temporarily requisition houses, vehicles and related facilities and equipment throughout the country or across provinces, autonomous regions and municipalities directly under the Central Government.