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Notice by the General Office of the China Banking and Insurance Regulatory Commission of Further Effectively Providing Financial Services concerning the Epidemic Prevention and Control
[Effective]
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中国银保监会办公厅关于进一步做好疫情防控金融服务的通知
[现行有效]
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| Notice by the General Office of the China Banking and Insurance Regulatory Commission of Further Effectively Providing Financial Services concerning the Epidemic Prevention and Control | | 中国银保监会办公厅关于进一步做好疫情防控金融服务的通知 |
| (No. 15 [2020] of the General Office of the China Banking and Insurance Regulatory Commission) | | （银保监办发〔2020〕15号） |
| All local offices of the China Banking and Insurance Regulatory Commission (“CBIRC”); all policy banks, large-scale banks, and joint-stock banks; foreign-funded banks; financial assets management companies; all insurance group (holding) companies, insurance companies, and insurance assets management companies; and other entities managed by the CBIRC: | | 各银保监局，各政策性银行、大型银行、股份制银行，外资银行，金融资产管理公司，各保险集团（控股）公司、保险公司、保险资产管理公司，各会管单位： |
| For the purposes of further implementing the decisions and deployments made by the CPC Central Committee and the State Council, urging the banking and insurance industries to effectively provide financial services for the prevention and control of the COVID-19 Outbreak, assisting in winning the battle of the people, the overall battle, and the battle of blocking for the epidemic prevention and control, and more effectively supporting the development of the real economy, you are hereby notified of the recent key work matters as follows: | | 为深入贯彻落实党中央、国务院决策部署，推动银行业保险业做好新冠肺炎疫情防控金融服务，助力打赢疫情防控的人民战争、总体战、阻击战，更好地支持实体经济发展，现就近期重点工作事项通知如下： |
| I. Effectively providing financial services to support enterprises' resumption of work and production | | 一、做好金融服务，支持企业复工复产 |
| 1. Fully supporting enterprises engaged in the epidemic prevention and control in expanding the production capacity. By closely centering on the epidemic prevention and control needs, sufficient and effective financial support shall be granted to the research and development of therapeutic drugs and vaccines and other key fields of health care, as well as related enterprises engaged in production, transportation, and logistics of important materials. The policies of the central government shall be utilized sufficiently and effectively, mechanisms shall be established specially, authorization shall be granted sufficiently, and interaction shall be conducted proactively, the financing costs shall be reduced, and the preferential interest rates and high-quality financial services shall be provided, to support enterprises in the resumption of production capacity and expansion of production. Insurance institutions shall be encouraged to provide personnel working at the frontline of epidemic prevention and control with accident, health, pension, medical insurance, and other favorable insurance services based on their own conditions. | | （一）全力支持疫情防控企业扩大产能。紧紧围绕疫情防控需求，全力做好治疗药物、疫苗研发等卫生医疗重点领域，以及重要物资生产、运输物流等相关企业的融资支持。用足用好中央政策，专设机制、充分授权、主动对接，降低融资成本，提供优惠利率和优质金融服务，支持企业恢复产能和扩大生产。鼓励保险机构结合自身情况，为身处疫情防控一线的工作人员提供意外、健康、养老、医疗等优惠保险服务。 |
| 2. Fully serving enterprises affected by the epidemic situation in resumption of work and production. All banking institutions must make plans in advance, grasp enterprises' information in a timely manner, optimize credit procedures, reasonably extend the loan period and effectively reduce the fees and interests, to support enterprises affected in resuming production and business operation in an orderly and efficient manner. Insurance institutions shall be encouraged to support enterprises that have been seriously affected by the epidemic situation in overcoming the temporary difficulties by reducing fees and moderately extending payment of insurance premium, among others. Banking and insurance institutions shall be encouraged to proactively expand their service scopes, maximize their advantages in payment and settlement, financing planning, support for production and marketing, and other more fields, and provide such value-added services as featured products, professional consultation, financial management and information technology support. By centering on the major national strategies, precise support shall be provided for the projects that play an important leading role in the macro-economic and regional development. The loans to the manufacturing industry shall be increased, and the financial services for the supply chain shall be strengthened. | | （二）全面服务受疫情影响企业复工复产。各银行机构要提早谋划、及时掌握企业信息，优化信贷流程，合理延长贷款期限，有效减费降息，支持受影响企业有序高效恢复生产经营。鼓励保险机构通过减费让利、适度延后保费缴纳时间等方式，支持受疫情影响较重企业渡过暂时难关。鼓励银行保险机构积极拓展服务领域，在支付结算、融资规划、产销支持等更多领域，发挥机构自身优势，提供特色产品、专业咨询、财务管理、信息科技支持等增值服务。围绕国家重大战略，精准支持对宏观经济和区域发展具有重要带动作用的项目工程。加大制造业贷款投放力度，加强供应链金融服务。 |
3. Actively supporting micro and small enterprises, and individual industrial and commercial household with difficulties. The service connection and needs investigation shall be conducted for micro and small enterprises and individual industrial and commercial households within the jurisdictions. Micro and small clients that encounter temporary difficulties due to the impact of the epidemic situation but still have a sound development prospect shall be assisted by actively adopting such measures as adjusting the schedule of repayment and payment of interests, moderately reducing the interest rate of loans, and improving the connection of loan extension and renewal. More internal resources shall be given to the inclusive finance field, and the “proportion of loans to first-time borrowers” for micro and small enterprises and the proportion of credit loans shall be increased, to further reduce the comprehensive financing costs of micro and small enterprises. The expansion of enterprise property insurance, liability insurance for work safety, export credit insurance and other businesses shall be intensified, to provide more guarantee for the production and business operation of micro and small enterprises.
．．．．．． | | （三）积极帮扶遇困小微企业、个体工商户。做好辖内小微企业和个体工商户的服务对接和需求调查，对受疫情影响暂时遇到困难、仍有良好发展前景的小微客户，积极通过调整还款付息安排、适度降低贷款利率、完善展期续贷衔接等措施进行纾困帮扶。加大对普惠金融领域的内部资源倾斜，提高小微企业“首贷率”和信用贷款占比，进一步降低小微企业综合融资成本。加大企业财产保险、安全生产责任保险、出口信用保险等业务拓展力度，为小微企业生产经营提供更多保障。
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