Legal analysis: In order to better cope with the impact of the epidemic, the state clearly stipulates that for those who have temporarily lost their livelihood due to the epidemic, the credit policy should be appropriately tilted, the repayment arrangements of personal credit such as housing mortgage and credit card should be flexibly adjusted, and the repayment period should be reasonably postponed.

Legal basis: Article 3 of the Notice of the General Office of China Banking Regulatory Commission on Strengthening Financial Services of Banking and Insurance Industry to Cooperate with the Prevention and Control of Pneumonia Infection in novel coronavirus opens up a green channel for financial services. Banks and insurance institutions should further increase their support for epidemic areas, reduce or exempt handling fees, simplify business processes and open up fast channels. It is necessary to give full play to the joint efforts of bank credit, insurance guarantee and financing guarantee, and strengthen financial support for key areas of social livelihood. For those who have temporarily lost their source of livelihood due to the epidemic, the credit policy will be appropriately tilted, and the repayment arrangements of personal credit such as housing mortgage and credit card will be flexibly adjusted, and the repayment period will be reasonably postponed. Priority should be given to customers infected with novel coronavirus, and the scope of liability should be appropriately expanded to make full compensation.