First, accelerate the allocation of funds for epidemic prevention and control

The treasury at all levels of the People's Bank of China and the agent branches of commercial banks should strengthen the allocation of special funds for epidemic prevention and control, open a green channel for the allocation of funds, and deploy personnel to be on standby 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 shall be settled no later than T+1, and T+ and D+ settlement shall be encouraged.

ii. ensuring basic financial services

all financial institutions should reasonably arrange their business outlets and business hours, and take the initiative to explain and explain those who are temporarily closed or adjust their business hours due to the epidemic, and provide alternative solutions 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.

III. Ensuring the safe and reliable cash supply

The demand for cash withdrawal by the issuing banks of the People's Bank of China and the large cash demand of the banking institutions for the procurement of epidemic prevention and control materials of enterprises and institutions should be met in a timely manner. Cash returned from farmers' markets, bus companies, etc. shall be bagged differently and marked with special signs. Cash returned from hospitals, isolation units of suspected infected persons, etc. shall be treated as required and stored separately to ensure the safety, hygiene and neatness of RMB circulation.

iv. facilitating 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. For enterprises to handle foreign exchange settlement payment and cross-border RMB payment of capital account income related to epidemic prevention and control, it is not necessary to submit documents and materials one by one in advance, 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 recipient unit 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 made and relevant supporting materials can be supplemented afterwards. The 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 management department.

V. Increase special financing support

All financial institutions should actively 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 in health and epidemic prevention, pharmaceutical product manufacturing and procurement, public health infrastructure construction, scientific research and the supply of necessary living materials, list the credit scale, simplify the examination and approval process and provide preferential interest rates (rates). Encourage banking institutions to provide more favorable financial services to relevant units and workers in the front line of epidemic prevention and control by adjusting regional financing policies, internal fund transfer pricing, performance appraisal methods and other measures. The amount of foreign debts related to epidemic prevention and control borrowed by enterprises is not limited.

VI. Do a good job in financial services for the affected enterprises and individuals

For industries such as wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism, etc., which are greatly affected by the epidemic, as well as enterprises with development prospects but temporarily trapped, loans shall not be blindly drawn, cut off or pressed. Support the affected enterprises to use insurance and futures markets to hedge risks. Encourage banking institutions to support related enterprises to overcome epidemic disasters by appropriately lowering loan interest rates, improving loan renewal policy arrangements, and increasing credit loans and medium and long-term loans. For those who have temporarily lost their sources of income 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 it is submitted, and raise objections and complaints due to the bad credit records in epidemic prevention and control, and timely verify and properly handle them.

VII. Using monetary policy tools to strengthen guidance

All branches of the People's Bank of China should comprehensively use monetary policy tools such as credit policy to support refinancing, rediscount and standing loan facilities to enhance the financial supply capacity for epidemic prevention and control. Give priority to meet the needs of corporate financial institutions for refinancing and rediscounting to support epidemic prevention and control, and give priority to the rediscounting of bills issued and received by pharmaceutical, protective equipment, medical equipment 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 people's livelihood field.

VIII. Improve the level of underwriting and claims service

Actively investigate the underwriting and risks of customers, appropriately expand the scope of responsibilities, open a green channel for claims 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 to relevant units and personnel in the front line of epidemic prevention and control.

IX. Maintain the stable and orderly operation of the capital market

Guide listed companies to disclose information related to the epidemic according to laws and regulations, keep the communication channels of investors open, protect investors' right to know, and prevent acts such as 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 that are seriously affected by the epidemic to make information disclosure. Local trading places should guide both parties to properly negotiate and dispose of transactions that are suspended or contracts cannot be fulfilled due to the epidemic situation, and avoid blindly canceling transactions or treating them as breach of contract. Exempt or reduce the financing fee for listing health service enterprises listed in the four-board market.

X. Give full play to the supplementary role of local financial organizations

All local financial organizations should take the initiative to make up for the position and provide relevant financial services around the epidemic prevention and control industrial 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 fees. Financing guarantee companies and credit enhancement companies should strengthen the function of credit enhancement and risk division, explore the linkage of investment and commitment business, and provide diversified services such as investment, credit enhancement and risk division for industries related to epidemic prevention and control.

Xi. Maintaining the safe and smooth operation of regional finance

Editor Yang Yutong