Strengthen leadership initiative
(1) Take the initiative as the leader of Party building. Chinese-funded banks and insurance institutions in Shanghai should be guided by Party building, give full play to the role of party organizations at all levels in the financial system as fighting bastions, inspire party member's vanguard and exemplary role, take the initiative, and do a good job in financial services supporting enterprise development and people's lives with high quality.
(2) Improve performance appraisal and improve the financial service system for epidemic prevention and control. In the critical period, the banking and insurance institutions in Shanghai should be aware of the relationship between finance and the real economy, finance and people's livelihood, and actively fulfill their social responsibilities. Corporate institutions should take the initiative to communicate with major shareholders, and branches should take the initiative to contact superior units, improve the performance appraisal system, support the internal pricing of epidemic-related businesses, appropriately reduce the proportion of profit assessment and expected growth, and increase the proportion of non-profit indicators such as bad tolerance and social responsibility commitment in performance appraisal. At the same time, according to the good operation of Shanghai's banking and insurance industry in recent years, we will adjust the profit distribution and various provisions utilization policies, and actively respond to the adverse impact of the epidemic on the operation and management of our unit.
Fully support enterprises to fight the epidemic.
(3) Guarantee the credit supply and reduce the financing cost. Banking institutions in Shanghai should accurately assess the impact of the epidemic on business management, take various measures to promote a reasonable increase in credit supply for private enterprises and small and micro enterprises, ensure that the growth rate of inclusive small and micro enterprise loans is not lower than the average growth rate of various loans throughout the year, and strive to reduce the comprehensive financing cost of inclusive small and micro enterprise loans by 0.5 percentage points.
(four) separate credit plans to ensure that the capital needs of enterprises to prevent and control the epidemic situation are met. Banking institutions in Shanghai should make separate credit plans to ensure that sufficient credit resources are invested in epidemic prevention enterprises and enterprises seriously affected by the epidemic. For small and micro enterprises whose capital needs are expanding due to the epidemic, those who meet the requirements should actively increase the credit line, do not force additional information or new credit enhancement measures, and can withdraw money at any time to meet the temporary capital needs of enterprises.
(five) to deal with emergencies and improve the quality of financial services for enterprises to prevent and control epidemics. Bank insurance institutions in Shanghai should carefully understand the production and operation of key enterprises in epidemic prevention and control, actively meet the financing needs of key enterprises in epidemic prevention and control, adhere to special affairs and emergency handling, simplify internal business processes for all kinds of businesses involved in epidemic prevention and control, open up green channels, ensure efficient and convenient business handling, and go all out to support key enterprises in epidemic prevention and control to carry out production and operation, expand production capacity, ensure that policies are effective as soon as possible, and truly benefit key enterprises in epidemic prevention and control and people and enterprises affected by the epidemic.
(six) make good use of various special policies and actively support key enterprises for epidemic prevention and control. Shanghai Branch of large state-owned commercial banks with development and policy and local corporate banks are encouraged to actively use the special policy of the People's Bank of China to provide preferential interest rate loans to key enterprises, including small and micro enterprises, that produce, transport and sell key medical prevention and control materials and daily necessities. Support financial institutions in Shanghai to use the raised funds in areas related to epidemic prevention and control by issuing financial bonds and special-purpose bonds. For the financial leasing business of medical equipment related to epidemic prevention and control that occurred in the financial leasing company, it is encouraged to postpone or reduce the relevant rent and interest, and provide preferential financial services for medical equipment leasing.
(7) Strengthen the role of insurance. In view of the import demand of medical materials and epidemic prevention and control materials urgently needed by enterprises, China Xinbao Shanghai Branch is encouraged to actively carry out import prepayment insurance. For customers damaged by the epidemic, they should be fully compensated and paid quickly. Encourage insurance institutions to provide accidental injuries and term life insurance free of charge, and support medical personnel and epidemic prevention workers in Hubei to participate in epidemic prevention and control. Support the expansion of insurance coverage of accident insurance and sickness insurance. Novel coronavirus pneumonia
Increase financial assistance to enterprises to help them get out of trouble.
(8) If there is no loan, no loan or no loan, the loan shall be renewed. Banking institutions in Shanghai are not allowed to blindly lend, cut off or suppress loans to tourism, accommodation, catering, wholesale and retail, transportation, logistics and warehousing, culture and entertainment, exhibitions and other industries. , as well as enterprises with development prospects but temporarily caught in liquidity difficulties. For enterprises that are greatly affected by the epidemic and have loans due in the near future, it is necessary to make precise policies, actively negotiate specific repayment methods and repayment periods with customers, make arrangements for renewing loans in advance, and make full use of non-repayment of loans and annual review system to ensure that they should be renewed. Banking institutions in Shanghai are encouraged to take the initiative to renew loans for customers whose loans expire before June 30, 2020, but are difficult to repay on time due to the epidemic. The loan renewal period shall not exceed one year.
(9) Encourage banks to reduce or exempt interest. Banking institutions in Shanghai are encouraged to reduce or waive the interest for a certain period of time on the loans of enterprises that are greatly affected by the epidemic within their own capabilities. Banks can formulate corresponding rules for specific relief methods. Enterprises that are seriously affected by the epidemic but still repay loans and interest on schedule can be given corresponding preferential policies in the follow-up credit business.
(ten) improve the enterprise credit repair mechanism. Banks can set a policy grace period for a certain period (which can be adjusted according to the change of epidemic situation). During the policy grace period, if the enterprises in related industries affected by the epidemic are overdue due to their temporary inability to repay the due loans, they will not be charged with penalty interest and compound interest, which will not affect the credit history of customers. For enterprises that temporarily lose their income sources due to the epidemic, they can submit their credit records according to the adjusted repayment arrangements, and it is not mandatory to classify such loans overdue for 90 days or more as non-performing.
Improve financial services in the social and livelihood areas affected by the epidemic.
(eleven) to suspend the repayment of people affected by the epidemic. For those who are hospitalized or isolated due to infection in COVID-19, those who need isolated observation due to epidemic prevention and control, those who participate in epidemic prevention and control, and those who temporarily lose their sources of income due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period. The personal business guarantee loan infected with COVID-19 can be extended for one year and continue to enjoy financial discount support.
(twelve) to speed up the customer claims service affected by the epidemic. Insurance institutions should take the initiative to set up a green channel for customers infected with COVID-19 virus or damaged by the epidemic, simplify the claims process, pay the sick people at the first time, and increase the financial inclination for front-line medical staff.
Optimize service mode and improve service efficiency.
(XIII) Innovating the activity mode of "March into all enterprises in one hundred days" and implementing accurate services. Encourage banking institutions in Shanghai to innovate ways and means, continue to carry out the "Hundred Steps to Benefit Enterprises" activity through telephone, online consultation and remote service, continue to increase support for small and micro enterprises and private enterprises, provide consulting services for enterprises, especially those affected by the epidemic, and learn about the situation of enterprises affected by the epidemic and their demand for financial services door by door, so as to realize the accurate matching and efficient transformation of enterprise demand and financial supply.
(14) Promote online business handling and vigorously develop digital inclusiveness. Institutions should vigorously promote online business, including business application, approval, signing, repayment, etc. To minimize the offline contact frequency of small and micro enterprises. Actively use platforms such as Shanghai Big Data Bank-Tax Interaction and inclusive finance Application to solve the information asymmetry between banks and enterprises, vigorously develop digital inclusive services, increase support for small and micro enterprises, and reduce financing costs.
(fifteen) actively strengthen cooperation with the policy financing guarantee fund. The policy financing guarantee fund will continue to increase the financing guarantee support for key enterprises that guarantee epidemic prevention materials and small and medium-sized enterprises that are greatly affected by the epidemic. Banking institutions in Shanghai should actively cooperate with the city's policy financing guarantee fund to promote the non-repayment of loans. Actively pay attention to the preferential policies issued by various districts and make full use of various subsidies to improve the quality and efficiency of financial services.
Strengthen monitoring and supervision
(sixteen) the internal monitoring and supervision of bank insurance institutions. Bank insurance institutions in Shanghai should establish a monitoring and supervision mechanism for business operation and policy implementation during the epidemic period, and conduct internal accountability for units and individuals that violate relevant regulations and fail to perform their duties.
(seventeen) the implementation of the inspection exemption system. Each legal person institution within its jurisdiction shall formulate an exemption system or a list of exemption behaviors in a special period, and all branches shall strengthen their business guidance to grass-roots outlets and clarify the procedures for reporting and requesting instructions in a special period; It is necessary to actively strive for various exemption policies from the head office (company) in a special period, clarify the exemption situation, give full play to the initiative of front-line business personnel and credit review and approval personnel, and solve their worries.
(eighteen) the monitoring and supervision of the regulatory authorities. Bank insurance institutions in Shanghai shall report to the regulatory authorities the implementation of policies such as business development, performance appraisal improvement, separate credit plan and due diligence exemption, loan renewal, interest reduction and exemption, and customer credit repair during the epidemic period, and the specific submission requirements will be notified separately. The regulatory authorities will supervise the implementation of policies of various institutions and take corresponding regulatory measures as appropriate.
Information: Shanghai Banking Insurance Regulatory Bureau