1, adhere to the principles of marketization and rule of law, actively support qualified small and micro enterprises to postpone repayment of principal and interest, and reasonably determine loan extension and repayment arrangements. For small and micro enterprise loans due in the fourth quarter of 2022 (including loans operated by individual industrial and commercial households and small and micro enterprise owners, the same below), banking financial institutions and borrowers are encouraged to negotiate to postpone repayment of principal and interest in accordance with the principle of marketization, and the deferred loans will bear normal interest without penalty interest. In principle, the principal and interest repayment date can be extended to June 30, 2023 at the longest. All banking financial institutions shall reasonably determine deferred loans according to the borrower's production cycle and capital withdrawal cycle.

2. Continuously improve the accuracy of financial supply, better meet the loan extension needs of small and micro enterprises, and innovate deferred loan products and services. All banking financial institutions should provide differentiated loan extension methods according to the characteristics of small and micro enterprises' industries and trading scenarios, and promote active credit granting, loan repayment mode and online loan extension products to meet the flexible needs of small and micro enterprises. Encourage all banking financial institutions to appropriately delegate the approval authority for loan issuance and improve the efficiency of approval.