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The central bank and the China Banking Regulatory Commission made a heavy voice: implement the mortgage deferred repayment policy, increase financial support and smooth logistics.
Since the beginning of this year, the complexity and uncertainty of the external environment have increased, and the domestic epidemic situation has been distributed at multiple points. The difficulties of small and micro enterprises and individual industrial and commercial households have intensified, especially the freight logistics industry. At the same time, the spread of the epidemic has affected the production and life in some areas, and the call for delaying mortgage repayment has revived.

Facing the new situation and new features, how to further play the role of finance in supporting the real economy is very important. Recently, the relevant responsible persons of the central bank and the China Banking Regulatory Commission stated at the press conference that they will pay close attention to the mortgage deferred repayment policy and ease the pressure on customers affected by the epidemic; Increase financial support for smooth logistics in the industrial chain and stable supply chain, and open up a "green channel" for transportation logistics enterprises and freight drivers.

Implement the policy of deferred repayment of mortgage loans.

Recently, some banks have issued a policy of deferred repayment of mortgage loans, which can be extended for up to half a year, and is equipped with corresponding credit guarantee policies. In fact, as early as the beginning of the COVID-19 outbreak in 2020, the Central Bank, the Ministry of Finance and the China Banking Regulatory Commission jointly issued the Notice on Further Strengthening Financial Support for the Prevention and Control of novel coronavirus Epidemic. The China Securities Regulatory Commission and the Foreign Exchange Bureau proposed that financial institutions should appropriately tilt their credit policies and flexibly adjust personal credit such as housing mortgages and credit cards for those who are hospitalized or isolated in COVID-19, those who need to be isolated from epidemic prevention and control observers, those who participate in epidemic prevention and control, and those who temporarily lose their income sources due to the epidemic.

Liu, head of the Statistical Information and Risk Monitoring Department of China Banking and Insurance Regulatory Commission, said that in terms of implementation, banking institutions have improved their working mechanisms, clarified their application procedures, broadened their handling channels and actively implemented policies according to regulatory requirements. Since 2020, banking institutions have taken measures such as delaying the repayment period, adjusting the repayment plan, and not collecting credit information, blacklisting qualified customers, and solving problems for customers affected by the epidemic.

For example, China Construction Bank has delayed the repayment period of mortgage loans for 1 10,000 customers, amounting to about 433 billion yuan. The Agricultural Bank of China issued a mortgage loan of10.4 million, amounting to 465.8 billion yuan. It effectively eased the repayment pressure of customers affected by the epidemic and provided strong support for winning the tough battle of epidemic prevention and control and blocking.

According to the data of the central bank, the balance of commercial personal housing loans in China is 38.8 trillion yuan, and the balance of provident fund loans is about 7 trillion yuan. Together, the two items exceed 46 trillion yuan, and the corresponding loans are about 654.38 billion yuan. The overall loan quality is relatively good, and the non-performing rate has remained at around 0.3% for a long time. Zou Lan, director of the financial market department of the central bank, said, "From the practice of big banks at that time, in the early stage of the epidemic (in 2020), the non-performing rate of personal housing loans once rose from 0.29% to 0.37%; After the implementation of the deferred repayment policy, the overall loan quality remained stable; With the relief of the epidemic, residents' income recovered and loan repayment quickly returned to normal. By the end of 2020, the NPL ratio has returned to the original level of 0.29%. "

In response to the current epidemic, the central bank and the China Banking Regulatory Commission made specific arrangements. Among them, the CBRC will focus on the implementation of policies. For example, enrich the handling channels, improve work efficiency, strengthen communication with customers, flexibly adjust mortgage repayment arrangements, reasonably delay the repayment period, and ease the repayment pressure of customers affected by the epidemic.

The central bank has put forward requirements for the protection of credit information rights and interests. Zou Lan said that in the next step, the central bank will continue to pay attention to the epidemic situation and guide banks to focus on several aspects: First, strengthen the customer-centric concept. For customers who have difficulties in normal repayment, it is necessary to distinguish between repayment ability and repayment willingness, short-term repayment ability and medium-and long-term repayment ability affected by the epidemic, and implement a deferred repayment policy; Second, strengthen policy propaganda, appropriately simplify business processes, focus on key customer groups, and take more vigorous and targeted measures according to local conditions; Third, in view of the characteristics of long retail business chain and diversified customer base, we will intensify business training at all levels, improve the customer service system, implement the protection of credit information rights and interests, smooth the channels for complaints and rights protection, and continuously improve the quality of service.

Increase financial support and smooth logistics

There are a large number of small and micro enterprises and individual industrial and commercial households in China, accounting for the vast majority of the 654.38+0.5 billion market players. Helping small and micro enterprises and individual industrial and commercial households is an important content to ensure the employment of market players and residents. Since the beginning of this year, domestic epidemics have been distributed in many places, and some industries such as service industry and small and micro enterprises have been seriously affected, and normal production and operation are facing great difficulties. In order to help small and micro enterprises and individual industrial and commercial households to ease the financial pressure and tide over the difficulties, the central bank and the China Banking Regulatory Commission have further increased their financial support.

Ye, director of the Policy Research Bureau of the China Banking Regulatory Commission, said: First, continue to implement the original policies, especially support small and micro enterprises and manufacturing enterprises, and implement the "six guarantees" and "six guarantees" policies. Second, for some new situations, especially catering and tourism industries, we should increase policy support for these industries with special difficulties. Third, it is necessary to urge banking institutions to do a good job in the continuous transformation of the policy of delaying repayment of principal and interest. For small and micro enterprises that have the willingness to repay, the ability to absorb employment, and temporary operational difficulties, it is necessary to make overall consideration of means such as extension and reorganization, negotiate independently the repayment method of loan principal and interest in accordance with the principle of marketization, and guide banks and insurance institutions to flexibly allocate financial resources.

"Facts have proved that these bail-out policies have played a great role in stabilizing the development of the industry and stabilizing the quality of credit assets." Liu said this when answering a reporter's question from 2 1 Century Business Herald.

Zou Lan introduced that in February this year, the National Development and Reform Commission and other departments issued "Several Policies on Promoting the Recovery and Development of Difficult Industries in Service Industry", giving priority support to catering, retail, tourism, highways, waterways, railway transportation, civil aviation and other industries with special difficulties from two aspects: inclusive financial support measures and industry-specific support measures. At the end of March, the balance of small and micro loans nationwide was 20.8 trillion yuan, up 24.6% year-on-year, and continued to maintain a high growth rate.

It is worth mentioning that there have been new changes in the current epidemic. Recently, China Banking and Insurance Regulatory Commission, China focused on financial support for freight logistics. In order to coordinate the prevention and control of epidemic situation and smooth logistics, we put forward clear requirements for the banking and insurance industry, take the initiative to take accurate and effective measures, and go all out to help the freight logistics industry solve problems. By increasing financial support, helping key groups, improving service efficiency, innovating guarantee methods, strengthening insurance protection, ensuring the safety of funds and other measures, banks and insurance institutions are urged to strengthen financial services to ensure the safety and stability of the industrial chain supply chain.

In terms of increasing financial support for smooth logistics and stable supply chain in the industrial chain, the central bank said on April 15 that it will use various monetary policy tools such as refinancing and rediscounting to support and guide financial institutions to increase financial support, open up a "green channel" for transportation logistics enterprises and freight drivers, rationally arrange loan extension and renewal, increase the supply of civil aviation transportation credit, establish a docking mechanism for credit and bond financing, and give play to the role of accounts receivable service platform to support the industrial chain.