In terms of increasing financial policy support, all branches of the People's Bank of China are required to increase support for re-lending for agriculture, re-lending for poverty alleviation, and re-discounting, in combination with the actual capital needs of financial institutions within their jurisdiction for flood fighting and disaster relief, to support the expansion of flood fighting and disaster relief credit and reduce the cost of social financing. Guide financial institutions to effectively increase the adjustment of credit resources within the system and give priority to supporting the credit demand in disaster areas.
In terms of launching exclusive financial services for flood control and disaster relief, all financial institutions are required to take the initiative to connect with various enterprises for flood control and disaster relief and people's livelihood security, actively provide credit support, give priority to the examination, simplify the examination and approval process, improve the examination and approval efficiency, and handle credit examination and approval in compliance with laws, quality and efficiency. Use financial science and technology to accurately locate the affected subjects, vigorously support the maintenance and reconstruction of damaged houses, roads, water conservancy projects in flood-stricken areas, ensure the financing needs of infrastructure such as reservoir reinforcement, river reconstruction and dike construction, and meet the new credit needs of enterprises such as flood control emergency materials production, transportation, storage and fresh agricultural products production and transportation. Increase the inclination of resources in inclusive finance, and encourage the affected farmers, small and micro enterprises, and individual industrial and commercial households to tide over the difficulties by appropriately lowering the loan interest rate, reducing and exempting service charges, and adjusting the debt service arrangement.
In terms of doing a good job in insurance claims service, insurance institutions are required to allocate survey personnel and rescue equipment in a centralized way in accordance with the principle of "handling special matters and urgent matters", establish a green channel for claims service, simplify claims processing, improve claims efficiency, and make claims as soon as possible. Especially for people injured by disasters, we should improve the efficiency of claims by reducing hospital grade restrictions, direct compensation and one-stop settlement. For those who are temporarily difficult to survey and determine the damage due to the flood, they can pay compensation in advance in combination with the actual situation, so that the affected people and enterprises can feel the temperature of financial services. Strengthen the statistics of insurance losses, reflect the insurance losses in time, and provide support for the follow-up claims service.
In terms of actively supporting post-disaster recovery and reconstruction, financial institutions are required not to blindly lend, cut off or suppress loans to enterprises that are temporarily unable to operate but have development prospects due to flood, and are encouraged to reduce financing costs by increasing the proportion of credit loans and reducing service charges. Support the steady expansion of insurance coverage such as property insurance, safety production liability insurance and agricultural insurance, and give play to the functions of insurance to ensure the economy, serve people's livelihood and stabilize society.
In terms of reducing the guarantee rate of government financing guarantee institutions, government financing guarantee institutions are required to appropriately reduce the guarantee rate for small and medium-sized enterprises and "three rural" subjects that are seriously affected by the disaster on the premise of sustainable operation. The guarantee rate charged for small and micro enterprises and "three rural" subjects with a single household guarantee amount of less than 5 million yuan will be reduced to no more than 1%, and the guarantee rate charged for small and micro enterprises and "three rural" subjects with a single household guarantee amount of more than 5 million yuan will be reduced to no more than 1.5%.