Legal analysis: If an enterprise is unable to repay the bank loan on time due to the shortage of funds caused by the epidemic, it is suggested that the enterprise communicate with the financial institution in time, and provide the financial institution with the materials such as the data of operating difficulties caused by the epidemic, the existing assets certificate, the contracts to be performed, the enterprise development plan, etc., and actively strive to extend the payment period, change the repayment plan, and reduce the interest rate of the loan. To provide financing guarantee, you can apply for a reduction or exemption of guarantee fee.

Legal basis: Article 2 of the Notice on Helping Small and Medium-sized Enterprises to Resume Production and Overcome Difficulties in Response to novel coronavirus Epidemic clearly stipulates that 20 measures will be taken in six aspects: fully guarantee enterprises to resume production in an orderly manner, further strengthen financial support for small and medium-sized enterprises, further strengthen financial support for small and medium-sized enterprises, further strengthen innovation support for small and medium-sized enterprises, further strengthen public services for small and medium-sized enterprises, further strengthen overall coordination, and help the majority of small and medium-sized enterprises to strengthen their confidence and strengthen measures.