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Notice by the People's Bank of China, the China Banking and Insurance Regulatory Commission, the Ministry of Finance, the National Development and Reform Commission and the Ministry of Industry and Information Technology of Extending the Policy on Phased Deferment of Loan Principal and Interest Repayment for Micro, Small and Medium-sized Enterprises
[Effective]
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中国人民银行、银保监会、财政部等关于进一步对中小微企业贷款实施阶段性延期还本付息的通知
[现行有效]
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| Notice by the People's Bank of China, the China Banking and Insurance Regulatory Commission, the Ministry of Finance, the National Development and Reform Commission and the Ministry of Industry and Information Technology of Extending the Policy on Phased Deferment of Loan Principal and Interest Repayment for Micro, Small and Medium-sized Enterprises | | 中国人民银行、银保监会、财政部、发展改革委、工业和信息化部关于进一步对中小微企业贷款实施阶段性延期还本付息的通知 |
| (No. 122 [2020] of the People's Bank of China) | | （银发〔2020〕122号） |
| The Shanghai Head Office of the People's Bank of China (“PBC”); all branches and operations offices of the PBC, and all central sub-branches of the PBC in capital cities of provinces (autonomous regions) and sub-provincial cities; all local offices of the China Banking and Insurance Regulatory Commission; the finance departments (bureaus), development and reform commissions, and departments in charge of small- and medium-sized enterprises of all provinces, autonomous regions, municipalities directly under the Central Government, cities under separate state planning, and Xinjiang Production and Construction Corps; China Development Bank; all policy banks, state-owned commercial banks, and joint-stock commercial banks; and Postal Savings Bank of China: | | 中国人民银行上海总部，各分行、营业管理部，各省会（首府）城市中心支行，各副省级城市中心支行；各银保监局；各省、自治区、直辖市、计划单列市、新疆生产建设兵团财政厅（局）、发展改革委、中小企业主管部门；国家开发银行，各政策性银行、国有商业银行、股份制商业银行，中国邮政储蓄银行： |
| For the purposes of effectively implementing the decisions and arrangements of the CPC Central Committee and the State Council on making overall arrangements to promote COVID-19 epidemic containment and economic and social development, reinforcing policies to stabilize enterprises and guarantee employment, and easing pressure on enterprises, especially micro, small and medium-sized enterprises, to repay principal and interest this year, the policy on phased deferment of principal and interest will be extended for eligible loans according to the principles of market orientation and the rule of law. With the approval of the State Council, you are hereby notified of the relevant matters as follows: | | 为贯彻落实党中央、国务院关于统筹推进新冠肺炎疫情防控和经济社会发展工作的决策部署，强化稳企业保就业支持政策，缓解企业尤其是中小微企业年内还本付息资金压力，按照市场化、法治化原则，进一步对符合条件的贷款实施阶段性延期还本付息。经国务院同意，现就有关事宜通知如下： |
| I. Scope of application of the policy | | 一、政策适用范围 |
| For inclusive loans provided to micro and small enterprises (including loans provided to micro and small enterprises with a credit line for a single client being not more than 10 million yuan and loans provided to individual industrial and commercial households and micro and small enterprises for operating purposes, here and below), which will mature during the period from June 1 to December 31, 2020, phased deferment of principal and interest repayment shall be granted according to the requirement that “the principal and interest repayment should be deferred for all eligible loans.” With respect to other loans provided to micro, small and medium-sized enterprises and loans provided to large international industrial chain enterprises (foreign trade enterprises) and other enterprises with special difficulties, which will mature by the end of 2020, the enterprises and banking financial institutions may independently negotiate about the deferment of principal and interest repayment. | | 对于2020年6月1日至12月31日期间到期的普惠小微贷款（包括单户授信1000万元及以下的小微企业贷款、个体工商户和小微企业主经营性贷款，下同），按照“应延尽延”要求，实施阶段性延期还本付息。对于2020年年底前到期的其他中小微企业贷款和大型国际产业链企业（外贸企业）等有特殊困难企业的贷款，可由企业与银行业金融机构自主协商延期还本付息。 |
| The PBC shall, jointly with the relevant departments, offer policy support for banking financial institutions' implementation of the policy on deferment of principal and interest repayment, and provide relevant incentives for the implementation of the policy on deferment of principal and interest repayment for inclusive loans provided to micro and small enterprises by local incorporated banking financial institutions such as urban commercial banks, rural commercial banks, rural cooperative banks, village banks, rural credit cooperatives, and private banks (hereinafter referred to as “local incorporated banks”). | | 人民银行会同有关部门对银行业金融机构执行延期还本付息政策给予政策支持，并对城市商业银行、农村商业银行、农村合作银行、村镇银行、农村信用社、民营银行等地方法人银行业金融机构（以下简称地方法人银行）执行普惠小微贷款延期还本付息政策给予相关激励。 |
II. Arrangements on the payment of principal due and interest payable on inclusive loans provided to micro and small enterprises
．．．．．． | | 二、关于普惠小微贷款到期本金、应付利息支付安排
．．．．．． |
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