China Banking and Insurance Regulatory Commission: Those who have temporary difficulties in repaying auto loans due to the epidemic should be given a reasonable extension, extension or renewal as appropriate
The China Banking and Insurance Regulatory Commission issued a notice on the 15th, requiring all banking institutions to make good use of inclusive small and micro loan support tools, appropriately tilt inclusive small and micro enterprise loans to transportation enterprises and individual industrial and commercial households, take the initiative to follow up and effectively meet their financing needs, Do a good job in the continuous conversion of relevant loans following the expiration of the deferred principal and interest repayment policy to avoid industry-specific loan restrictions, loan withdrawals, and loan terminations. It is necessary to strengthen the care and assistance for the group of truck drivers. Commercial banks, auto finance companies, enterprise group finance companies, financial leasing companies, etc. should give reasonable delays as appropriate to the temporary difficulties of truck drivers in repaying their auto loans due to the impact of the epidemic. , extension or loan renewal arrangements to help them tide over the difficulties. Flexibly adjust the repayment arrangements for personal housing mortgages, credit cards and other credit repayment arrangements for truck drivers, and reasonably delay the repayment period to help them tide over difficulties. Banking and insurance institutions are encouraged to optimize the approval process in accordance with market-oriented principles, and open green channels for transportation enterprises that undertake heavy tasks of epidemic prevention and control and emergency transportation. Encourage insurance companies to develop accident insurance and other products according to the characteristics of working groups in special positions such as truck drivers and couriers. Actively develop property insurance business such as cargo transportation insurance and road cargo transportation carrier liability insurance.
The notice emphasizes that all banking and insurance regulatory bureaus and banking and insurance institutions must implement the relevant policy requirements. At the same time, actively promote and assist local governments to improve the loan risk compensation mechanism by means of risk reserves and discounted interest, and promote the steady development of financial business.
(Headquarters CCTV reporter Wang Lei)
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