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Notice by the Leading Group Office of Poverty Alleviation and Development and the China Banking and Insurance Regulatory Commission of Actively Addressing the Impact of COVID-19 and Effectively Conducting the Micro-lending Work for Poverty Alleviation [Effective]
国务院扶贫办、中国银保监会关于积极应对新冠肺炎疫情影响切实做好扶贫小额信贷工作的通知 [现行有效]
【法宝引证码】

Notice by the Leading Group Office of Poverty Alleviation and Development and the China Banking and Insurance Regulatory Commission of Actively Addressing the Impact of COVID-19 and Effectively Conducting the Micro-lending Work for Poverty Alleviation 

国务院扶贫办、中国银保监会关于积极应对新冠肺炎疫情影响切实做好扶贫小额信贷工作的通知

All offices (bureaus) of poverty alleviation and development of the provinces, autonomous regions and municipalities directly under the Central Government; all local bureaus of the China Banking and Insurance Regulatory Commission: 各省、自治区、直辖市扶贫办(局)、各银保监局:
In 2020, the last year of the poverty alleviation program, China will achieve the goal of building a moderately prosperous society in all respects. At present, the new coronavirus disease (COVID-19) has had a certain impact on poverty alleviation, and some regions are facing difficulties in the micro-lending work for poverty alleviation. In order to fully implement the spirit of the important instructions of General Secretary Xi Jinping, minimize the impact of COVID-19 and promote the sound development of micro-lending for poverty alleviation, you are hereby notified of the ways of effectively conducting the recent work as follows: 2020年是全面建成小康社会目标实现之年,是脱贫攻坚收官之年。当前,新冠肺炎疫情对脱贫攻坚造成一定影响,部分地区扶贫小额信贷工作面临困难。为深入贯彻落实习近平总书记重要指示精神,努力化解疫情影响,促进扶贫小额信贷健康发展,现就做好近期工作通知如下:
I. Appropriate extension of the repayment period   一、适当延长还款期限
Poverty alleviation departments at all levels and banking and insurance supervision departments shall investigate the impact of the epidemic in their regions as soon as possible, guide banking institutions granting loans in appropriately extending, in light of the realities of the regions, the repayment period of the poverty-alleviation microloans to poverty-stricken households that are due (or renewed or refinanced) after January 1, 2020 and cannot be repaid on schedule due to the epidemic. The extension shall not exceed a maximum of six months, during which period the original terms and conditions of the contract shall continue to be valid and the policies shall remain unchanged. Banking institutions granting loans shall be encouraged to appropriately reduce the interest rate on loans during the extension period. 各级扶贫部门和银行保险监管部门要尽快摸排本地区受疫情影响情况,指导承办银行机构结合本地实际,适当延长到期日在2020年1月1日后(含续贷、展期)、受疫情影响出现还款困难的贫困户扶贫小额信贷还款期限。延期最长不超过6个月,期间继续执行原合同条款,各项政策保持不变。鼓励承办银行机构适当降低延期期间贷款利率。
II. Simplification of the business process   二、简化业务流程手续
Banking institutions granting loans shall be directed to accelerate the approval of new loans and loan refinancing and renewal to simplify the business process and improve business efficiency. Poverty-stricken households shall be guided in applying for loans and making self-service payments online such as via telephone, mobile and online banking and through financial service outlets covering every village. For the poverty-stricken households affected by the epidemic, various methods may be adopted to flexibly handle the business until the epidemic is over, when the relevant procedures may be supplemented. But before that, the overdue cases shall not be included in the records of dishonesty.
......
 指导承办银行机构在疫情期间,对新发放贷款、续贷和展期需求,加快审批进度,简化业务流程,提高业务办理效率。引导贫困户通过电话银行、手机银行、网络银行等线上方式和村村通金融服务点申请贷款和自助还款。对受疫情影响的贫困户,可采取多种方式灵活办理业务,待疫情解除后,按程序补办相关手续,期间发生逾期的不纳入征信失信记录。
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