Legal subjectivity:

Loans can be extended during the epidemic. Failure to repay loans on schedule due to the epidemic can be classified as force majeure. Force majeure refers to unforeseeable, unavoidable and insurmountable objective situations caused by natural disasters such as earthquakes and fires, government actions, and public actions. Legal objectivity:

Article 180 of the "People's Republic of China and Civil Code" If a person is unable to perform civil obligations due to force majeure, he shall not bear civil liability. If the law provides otherwise, such provisions shall prevail. Force majeure is an objective situation that cannot be foreseen, avoided and cannot be overcome. Article 590 of the "People's Republic of China" and the Civil Code: If a party is unable to perform the contract due to force majeure, it shall be partially or completely exempted from liability based on the impact of the force majeure, unless otherwise provided by law. If the contract cannot be performed due to force majeure, the other party shall be notified in a timely manner to mitigate possible losses to the other party, and proof shall be provided within a reasonable period. If force majeure occurs after a party delays performance, its liability for breach of contract will not be exempted.