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Notice by the People's Bank of China, the Ministry of Finance, the China Banking and Insurance Regulatory Commission, and Other Departments of Further Strengthening Financial Support for the Prevention and Control of the Epidemic of Novel Coronavirus Pneumonia
[Effective]
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中国人民银行、财政部、银保监会等关于进一步强化金融支持防控新型冠状病毒感染肺炎疫情的通知
[现行有效]
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【法宝引证码】
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- Issuing authority：
Instrumentalities of the State Council,All Banks,People's Bank of China,All Ministries,Ministry of Finance,All Commissions,China Banking and Insurance Regulatory Commission,China Securities Regulatory Commission,Other Institutions,Others,All Administrations (others),State Administration of Foreign Exchange
- Document Number：
No. 29 [2020] of the People's Bank of China
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Date issued：
01-31-2020
- Effective date：
01-31-2020
- Level of Authority：
Departmental Regulatory Documents
- Area of Law：Foreign Exchange,Health and Sanitation,Epidemic Prevention and Control
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| Notice by the People's Bank of China, the Ministry of Finance, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, and the State Administration of Foreign Exchange of Further Strengthening Financial Support for the Prevention and Control of the Epidemic of Novel Coronavirus Pneumonia | | 中国人民银行、财政部、银保监会、证监会、外汇局关于进一步强化金融支持防控新型冠状病毒感染肺炎疫情的通知 |
| (No. 29 [2020] of the People's Bank of China) | | （银发〔2020〕29号） |
| Since the outbreak of the epidemic of novel coronavirus pneumonia ("NCP"), the CPC Central Committee and the State Council have attached great importance, and General Secretary Xi Jinping has made a series of important instructions. The financial system has conscientiously implemented the decisions and arrangements of the CPC Central Committee and the State Council, acted voluntarily, ensured unimpeded financial services, supported the epidemic prevention and control in all regions, and played a positive role. At present, the epidemic prevention and control is at a critical stage. For the purposes of effectively implementing the spirit of the Notice by the CPC Central Committee of Strengthening Party Leadership and Providing Strong Political Guarantees for Winning the Fight to Prevent and Control the Epidemic and the working arrangements of the Central Leading Group for Tackling the Epidemic of Novel Coronavirus Pneumonia and further strengthening financial support for the epidemic prevention and control, you are hereby notified of the relevant matters as follows: | | 新型冠状病毒感染的肺炎疫情发生以来，党中央、国务院高度重视，习近平总书记作出一系列重要指示。金融系统认真贯彻落实党中央、国务院决策部署，主动作为，确保金融服务畅通，支持各地疫情防控，发挥了积极作用。当前，疫情防控正处于关键阶段。为切实贯彻落实中共中央《关于加强党的领导、为打赢疫情防控阻击战提供坚强政治保证的通知》精神和中央应对新型冠状病毒感染肺炎疫情工作领导小组工作部署，进一步强化金融对疫情防控工作的支持，现就有关事宜通知如下： |
| I. Maintaining reasonable and adequate liquidity and increasing monetary and credit support | | 一、保持流动性合理充裕，加大货币信贷支持力度 |
| 1. Maintaining reasonable and adequate liquidity. The People's Bank of China ("PBC") shall continue to strengthen the guidance of expectations, provide adequate liquidity through a variety of monetary policy tools such as open market operations, standing facilities, refinancing, and re-discounting, maintain reasonable and adequate liquidity in the financial market, and hold money market interest rates in stable operation. The branches of the PBC shall appropriately increase the tolerance of deposit reserve evaluation for late January 2020, based on the actual circumstances, for financial institutions affected by adjustments during the Spring Festival holiday. Financial institutions shall be guided in increasing credit extensions in support of the real economy and promote the reasonable growth of monetary credit. | | （一）保持流动性合理充裕。人民银行继续强化预期引导，通过公开市场操作、常备借贷便利、再贷款、再贴现等多种货币政策工具，提供充足流动性，保持金融市场流动性合理充裕，维护货币市场利率平稳运行。人民银行分支机构对因春节假期调整受到影响的金融机构，根据实际情况适当提高2020年1月下旬存款准备金考核的容忍度。引导金融机构加大信贷投放支持实体经济，促进货币信贷合理增长。 |
| 2. Increasing credit support in fields related to the epidemic prevention and control. During the epidemic prevention and control, the PBC shall, in conjunction with the National Development and Reform Commission and the Ministry of Industry and Information Technology, place under list-based management backbone enterprises that produce, transport, and sell medical protective clothing, medical masks, medical goggles, novel coronavirus test kits, negative pressure ambulances, sterilizers, 84 disinfectant, infrared thermometers, related drug products, and other important medical supplies for combating the epidemic and important groceries. The PBC shall provide low-cost funds to financial institutions through special refinancing and support financial institutions in providing credit support for listed enterprises at preferential interest rates. The central finance authority shall provide interest subsidy support for key guarantee enterprises for epidemic prevention and control. Financial institutions shall voluntarily strengthen the service connection with relevant hospitals, medical research entities, and related enterprises, provide sufficient credit resources, and spare no effort in satisfying the reasonable financing demand of relevant entities and enterprises in health and epidemic prevention, manufacture and procurement of pharmaceutical supplies, construction of public health infrastructure, scientific research, technology improvement, and other aspects. | | （二）加大对疫情防控相关领域的信贷支持力度。在疫情防控期间，人民银行会同发展改革委、工业和信息化部对生产、运输和销售应对疫情使用的医用防护服、医用口罩、医用护目镜、新型冠状病毒检测试剂盒、负压救护车、消毒机、84消毒液、红外测温仪和相关药品等重要医用物资，以及重要生活物资的骨干企业实行名单制管理。人民银行通过专项再贷款向金融机构提供低成本资金，支持金融机构对名单内的企业提供优惠利率的信贷支持。中央财政对疫情防控重点保障企业给予贴息支持。金融机构要主动加强与有关医院、医疗科研单位和相关企业的服务对接，提供足额信贷资源，全力满足相关单位和企业卫生防疫、医药用品制造及采购、公共卫生基础设施建设、科研攻关、技术改造等方面的合理融资需求。 |
| 3. Providing differentiated preferential financial services for regions, industries, and enterprises affected considerably by the epidemic. Financial institutions shall improve their capabilities for financial supply in areas affected severely by the epidemic through measures such as adjusting regional financing policies, transfer pricing of internal funds, and implementing differentiated performance appraisal methods. For industries affected considerably by the epidemic such as wholesale and retail trade, accommodation and catering, logistics and transportation, and culture and tourism and enterprises that have prospects of development but temporarily experience difficulty because of the epidemic, especially micro and small-sized enterprises, loans shall not be blindly limited, rescinded, or reduced. Enterprises affected severely by the epidemic that have difficulty in making payment due may be granted extension or renewal. Relevant enterprises shall be supported in addressing the impact of the epidemic disaster by appropriately lowering lending rates, increasing fiduciary loans and medium and long-term loans, and other means. Government financing re-guarantee institutions at all levels shall cancel counter-guarantee requirements and reduce guarantee and re-guarantee fees. For financing re-guarantee institutions in areas affected severely by the epidemic, the State Financing Guarantee Fund shall reduce the re-guarantee fee by half. | | （三）为受疫情影响较大的地区、行业和企业提供差异化优惠的金融服务。金融机构要通过调整区域融资政策、内部资金转移定价、实施差异化的绩效考核办法等措施，提升受疫情影响严重地区的金融供给能力。对受疫情影响较大的批发零售、住宿餐饮、物流运输、文化旅游等行业，以及有发展前景但受疫情影响暂遇困难的企业，特别是小微企业，不得盲目抽贷、断贷、压贷。对受疫情影响严重的企业到期还款困难的，可予以展期或续贷。通过适当下调贷款利率、增加信用贷款和中长期贷款等方式，支持相关企业战胜疫情灾害影响。各级政府性融资担保再担保机构应取消反担保要求，降低担保和再担保费。对受疫情影响严重地区的融资担保再担保机构，国家融资担保基金减半收取再担保费。 |
| 4. Improving financial services in social and people's livelihood fields affected by the epidemic. For persons hospitalized or quarantined due to infection with NCP, persons required to be quarantined for observation by the epidemic prevention and control, workers participating in the epidemic prevention and control, and persons temporarily deprived of their sources of income by the epidemic, financial institutions shall appropriately weight credit policies in favor of them, flexibly adjust home mortgage, credit card, and other consumer credit repayment arrangements, and reasonably postpone the due date of payment. Entrepreneurship guarantee loans owed by individuals contracting NCP may be extended for one year, and they shall continue to enjoy fiscal interest subsidy support. For clients claiming compensation for loss caused by contracting NCP or by the epidemic, financial institutions shall give priority to them, appropriately extend the scope of liability, and make due compensation. | | （四）完善受疫情影响的社会民生领域的金融服务。对因感染新型肺炎住院治疗或隔离人员、疫情防控需要隔离观察人员、参加疫情防控工作人员以及受疫情影响暂时失去收入来源的人群，金融机构要在信贷政策上予以适当倾斜，灵活调整住房按揭、信用卡等个人信贷还款安排，合理延后还款期限。感染新型肺炎的个人创业担保贷款可展期一年，继续享受财政贴息支持。对感染新型肺炎或受疫情影响受损的出险理赔客户，金融机构要优先处理，适当扩展责任范围，应赔尽赔。 |
| 5. Improving the efficiency of financial services during the epidemic. For financing needs in fields and regions affected considerably by the epidemic, financial institutions shall establish and launch fast-track approval channels, simplify business processes, and effectively improve the efficiency of business transaction. In regions subject to traffic control, financial institutions shall innovate their work methods and transact approval, loan disbursement, and other business for enterprises as soon as possible by working at the most convenient offices, holding video conferences, and other means. | | （五）提高疫情期间金融服务的效率。对受疫情影响较大领域和地区的融资需求，金融机构要建立、启动快速审批通道，简化业务流程，切实提高业务办理效率。在受到交通管制的地区，金融机构要创新工作方式，采取在就近网点办公、召开视频会议等方式尽快为企业办理审批放款等业务。 |
| 6. Supporting development and policy banks to increase credit support. The China Development Bank, the Export-Import Bank, and the Agricultural Development Bank shall, in light of their scope of business, strengthen overall coordination, reasonably adjust credit arrangements, increase financial support for the production, research and development, and the import and procurement of pharmaceutical supplies by epidemic prevention entities and enterprises that have difficulty in market-oriented financing and the production, transportation, and sale by important groceries supply enterprises, and reasonably meet the needs of epidemic prevention and control. | | （六）支持开发性、政策性银行加大信贷支持力度。国家开发银行、进出口银行、农业发展银行要结合自身业务范围，加强统筹协调，合理调整信贷安排，加大对市场化融资有困难的防疫单位和企业的生产研发、医药用品进口采购，以及重要生活物资供应企业的生产、运输和销售的资金支持力度，合理满足疫情防控的需要。 |
| 7. Strengthening credit support in key fields such as manufacturing, micro and small-sized enterprises, and private enterprises. Financial institutions shall strengthen service capacity building around internal resource allocation, incentive and evaluation arrangements, and the like, continue to increase support for micro and small-sized enterprises and private enterprises, maintain the growth rates of loans, and effectively implement the requirements for reducing comprehensive financing costs. Financial institutions shall increase medium and long-term loans made to the manufacturing industry. | | （七）加强制造业、小微企业、民营企业等重点领域信贷支持。金融机构要围绕内部资源配置、激励考核安排等加强服务能力建设，继续加大对小微企业、民营企业支持力度，要保持贷款增速，切实落实综合融资成本压降要求。增加制造业中长期贷款投放。 |
| 8. Pressing home the unique advantage of financial leasing. Financial leasing companies (as financial institutions) that transact the financial leasing business of medical equipment related to epidemic prevention and control shall be encouraged to postpone the payment of or remit related rent and interest and provide preferential financial services for medical equipment leasing. | | （八）发挥金融租赁特色优势。对于在金融租赁公司办理疫情防控相关医疗设备的金融租赁业务，鼓励予以缓收或减收相关租金和利息，提供医疗设备租赁优惠金融服务。 |
| II. Reasonably allocating financial resources and guaranteeing the daily financial services for the public | | 二、合理调度金融资源，保障人民群众日常金融服务 |
9. Guaranteeing unimpeded basic financial services. Financial institutions shall, as needed for epidemic prevention and control, reasonably arrange offices and business hours, effectively clean and sterilize business places, and guarantee unimpeded basic financial services. Financial institutions shall strengthen online services nationwide, especially in regions in which the epidemic is severe, and guide enterprises and individuals in transacting financial business online means such as the Internet and mobile apps.
．．．．．． | | （九）保障基本金融服务畅通。金融机构要根据疫情防控工作需要，合理安排营业网点及营业时间，切实做好营业场所的清洁消毒，保障基本金融服务畅通。金融机构要加强全国范围特别是疫情严重地区的线上服务，引导企业和居民通过互联网、手机APP等线上方式办理金融业务。
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