On February 2 1, the business management department of the central bank introduced measures to actively organize financial institutions within its jurisdiction to improve the rescue mechanism for special people affected by the epidemic, and introduced measures to delay repayment. Beijing business today reporter noticed today that according to the implementation standards of personal loan deferred repayment during the epidemic, * * * 32 banks have formulated corresponding implementation standards for personal loan deferred repayment in response to the epidemic, and users can apply by telephone, official WeChat account and e-mail.
However, the scope of application of deferred repayment varies from institution to institution. For example, the personal loan deferred repayment of Agricultural Bank of China Beijing Branch is applicable to four categories of personnel, including those who participate in and are related to epidemic prevention and control, those who are hospitalized or isolated due to new pneumonia, those who need to be isolated for epidemic prevention and control, and those who temporarily lose their income sources due to epidemic prevention and control; The medical personnel involved in epidemic prevention and control of Bank of China Beijing Branch are applicable to medical personnel involved in epidemic prevention and control and government workers involved in epidemic prevention and control; Persons quarantined due to the epidemic; People who have temporarily lost their source of livelihood due to the epidemic, as well as small and micro business owners and individual industrial and commercial households who have difficulties in operating due to the epidemic.
From the perspective of extension, the longest period set by various institutions is also different, of which the longest period of ICBC Beijing Branch is 2 months; Agricultural Bank Beijing Branch, China Bank Beijing Branch, Shengjing Bank Beijing Branch and Xiamen International Bank Beijing Branch all depend on the situation; The longest time for Beijing Branch of Postal Savings Bank and Beijing Branch of Nanjing Bank is 6 months; Minsheng Bank Beijing Branch, Hangzhou Bank Beijing Branch and baixin bank can also be extended for no more than six months.
It is worth noting that under the epidemic, in addition to banking institutions, many licensed consumer financial institutions have also invested in epidemic prevention and control. Up to now, many institutions, including Gitzo Consumer Finance, Instant Consumer Finance, China Post Consumer Finance, Haier Consumer Finance, Jincheng Consumer Finance, Huarong Consumer Finance, Hubei Consumer Finance, etc. , providing users with comprehensive measures such as reducing interest expenses and delaying repayment, alleviating the difficulties of users in an extraordinary period.
If consumer finance suggestions are put forward immediately, the repayment of personal consumption loans during the epidemic period can be delayed for 30 days according to the actual situation of customers, targeting the staff involved in epidemic prevention and control, including volunteers, doctors, nurses, construction workers and so on. For the affected customers in Hubei and non-Hubei areas, if they are unable to repay due to the epidemic situation, they can postpone the repayment for 30 days according to the actual situation, and reduce the penalty interest and liquidated damages to varying degrees; Give customers affected by the epidemic enough time to prepare for repayment.
Hubei Consumer Finance pointed out that the grace period of repayment for customers in Hubei epidemic areas was extended to 30 days, and that for customers outside Hubei Province was extended to 15 days. At the same time, for the loan customers diagnosed as COVID-19, the repayment interest fee will be reduced.
"The sudden outbreak of the epidemic spread widely, and the normal order of the lending market was disrupted by stages. The decline of personal financial situation affects the repayment ability and willingness of users, and then there is a general increase in overdue loans. At present, banking institutions and Internet lending platforms have introduced relevant measures, but the implementation period and the people involved are different. " In the view of Yu Baicheng, president of Zero One Research Institute, institutions including commercial banks and consumer finance companies should give priority to protecting first-line borrowers in Wuhan or Hubei, strike a balance between business data and affordability while maintaining operational stability, and make full use of online business capabilities to dynamically adjust risk control models and policies.