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Notice by the China Banking and Insurance Regulatory Commission, the People's Bank of China, the National Development and Reform Commission and Other Departments of Implementing Temporarily Deferred Repayment of Principal and Interest for Loans to Micro, Small and Medium-sized Enterprises [Effective]
银保监会、人民银行、发展改革委等关于对中小微企业贷款实施临时性延期还本付息的通知 [现行有效]
【法宝引证码】

Notice by the China Banking and Insurance Regulatory Commission, the People's Bank of China, the National Development and Reform Commission, the Ministry of Industry and Information Technology, and the Ministry of Finance of Implementing Temporarily Deferred Repayment of Principal and Interest for Loans to Micro, Small and Medium-sized Enterprises 

银保监会、人民银行、发展改革委、工业和信息化部、财政部关于对中小微企业贷款实施临时性延期还本付息的通知

(No. 6 [2020] of the China Banking and Insurance Regulatory Commission) (银保监发〔2020〕6号)

All local bureaus of the China Banking and Insurance Regulatory Commission; the Shanghai Head Office of the People's Bank of China (“PBC”), all branches and operations offices of the PBC, all central sub-branches of the PBC in capital cities of provinces (autonomous regions), and all central sub-branches of the PBC in sub-provincial cities; the development and reform commissions of all provinces (autonomous regions, municipalities directly under the Central Government, and cities under separate state planning) and the Development and Reform Commission of Xinjiang Production and Construction Corps; the small and medium-sized enterprises departments of all provinces, autonomous regions, municipalities directly under the Central Government, cities under separate state planning and Xinjiang Production and Construction Corps; the finance departments (bureaus) of all provinces, autonomous regions, municipalities directly under the Central Government; and the Finance Bureau of Xinjiang Production and Construction Corps; all policy banks, large banks, and joint-stock banks; and foreign-funded banks: 各银保监局,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,各省(自治区、直辖市及计划单列市)发展改革委,新疆生产建设兵团发展改革委,各省(自治区、直辖市及计划单列市)中小企业主管部门,新疆生产建设兵团中小企业主管部门,各省(自治区、直辖市)财政厅(局),新疆生产建设兵团财政局,各政策性银行、大型银行、股份制银行,外资银行:
For the purposes of further implementing the decisions and arrangements of the CPC Central Committee and the State Council on the COVID-19 epidemic prevention and control and response, further easing the difficulties faced by micro, small and medium-sized enterprises, helping enterprises to resume work and production in an orderly manner, and making financial services more targeted and effective, relevant departments have decided after in-depth study to provide loans under market-oriented and law-based principles to the eligible micro, small and medium-sized enterprises that are temporarily in liquidity difficulties and to grant arrangements for temporarily deferred repayment of principal and interest. With the consent of the State Council, you are hereby notified of the relevant issues as follows: 为深入贯彻落实党中央、国务院关于新冠肺炎疫情防控和应对工作的决策部署,进一步纾解中小微企业困难,推动企业有序复工复产,提高金融服务的针对性、有效性,有关部门作了深入研究,确定按照市场化、法治化原则,对符合条件、流动性遇到暂时困难的中小微企业贷款,给予临时性延期还本付息安排。经国务院同意,现就有关事宜通知如下:
I. Arrangements for the principal of loans that mature   一、关于贷款到期本金安排
For the principal of the loans taken out by micro, small and medium-sized enterprises in difficulty (including small business owners, individual industrial and commercial households) that mature after January 25, 2020, banking institutions shall, according to such enterprises' application for deferred repayment of the principal and in light of the impact of the epidemic on them and their operating conditions, provide them with arrangements for temporarily deferred repayment of the principal within a specified time limit through loan renewal or refinancing or other means. The deadline for principal repayment may be extended up to 30 June 2020. For a small number of micro, small and medium-sized enterprises that are seriously affected by the epidemic and have a long recovery period and good development prospects, banking institutions may negotiate with them to determine another extension arrangement according to the actual conditions. If the above-mentioned loans involve guarantee, banking institutions shall negotiate with enterprises and guarantors to deal with it.
......
 对于2020年1月25日以来到期的困难中小微企业(含小微企业主、个体工商户)贷款本金,银行业金融机构应根据企业延期还本申请,结合企业受疫情影响情况和经营状况,通过贷款展期、续贷等方式,给予企业一定期限的临时性延期还本安排。还本日期最长可延至2020年6月30日。对于少数受疫情影响严重、恢复周期较长且发展前景良好的中小微企业,银行业金融机构可根据实际情况与企业协商确定另外的延期安排。上述贷款涉及担保的,银行业金融机构应与企业、担保人等协商处理。
......

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