The epidemic will affect bank lending, and the direction of lending may be tilted to some enterprises and industries. According to the relevant notification requirements issued by the state during the epidemic, the banking system should actively provide loans to enterprises that need to use important materials during the epidemic, and the state will also subsidize the loan interest to support the epidemic. At the same time, for other enterprises to carry out production and technological innovation, the banking system will also issue loans normally.
Bank lending refers to a kind of credit activity in which banks provide monetary funds to people in need at a certain interest rate on the condition that they must return them. Loan is the main asset of a bank, the main channel of capital utilization, the main way of profit and the focus of bank operation. Bank lending should consider safety, profitability and liquidity to ensure its normal operation and maintain high returns. Therefore, determining a reasonable loan scale and structure has become an important task of bank asset management. Through bank lending, the contradiction between idle funds and insufficient funds in social capital turnover has been solved, and social funds have been effectively and fully utilized, which will play a beneficial role in promoting the establishment and development of socialist market economy. Bank loans should conform to the national industrial policy, strictly implement the national interest rate policy, and accept the supervision of financial management agencies and relevant departments. Follow the principles of planned loan management, material guarantee, timely repayment, "differential treatment, preferential support", "evaluation (adjustment) first, loan commitment later" and economic benefits. The principle of economic benefit is the basic principle that banks must follow when issuing loans and borrowers use loans.