You can apply for deferred repayment, reduce the handling fee, simplify the business process and open up a fast track. 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.

Notice on supporting finance to strengthen prevention and control services in novel coronavirus.

Two, increase support for individuals and enterprises affected by the epidemic. For the personal business guarantee loan that has been issued, if the borrower suffers from novel coronavirus, he may apply to the loan bank for deferred repayment. The extension period shall not exceed 1 year in principle, and the financial department will continue to give discount support. It is not applicable to the provisions of the Measures for the Administration of Special Funds for Development in inclusive finance (Jin Cai [2065,438+09] No.96) that "the financial department will not subsidize the extended and overdue business guarantee loans". For individuals and small and micro enterprises that have temporarily lost their income sources due to the epidemic, local financial departments at all levels should give key support when applying for business guarantee loans.

Third, optimize the financing guarantee services for enterprises affected by the epidemic. Encourage financial institutions to provide credit support to key enterprises in epidemic prevention and control and small and micro enterprises that are greatly affected by the epidemic. Government financing guarantee and re-guarantee institutions at all levels should improve business efficiency, cancel counter-guarantee requirements, reduce guarantee and re-guarantee rates, help enterprises to connect with financial institutions, and strive to lend as soon as possible, without lending, withholding or stopping lending. For government financing guarantee and re-guarantee institutions in areas with severe epidemic, the national financing guarantee fund will charge half of the re-guarantee fee. For small and micro enterprises with no repayment ability, government financing guarantee institutions at all levels that provide financing guarantee services should fulfill their compensation obligations in a timely manner, appropriately extend the recovery period according to the epidemic situation, and write off compensation losses according to regulations if they meet the conditions for write-off.