人行等六部委印發加大對小微企業貸款延期還本付息支持力度通知
中國人民銀行、中銀保監會、財政部、發展改革委、工業和信息化部、市場監管總局等六部門,近日聯合印發《關於進一步加大對小微企業貸款延期還本付息支持力度的通知》,針對今年第四季到期的小微企業貸款,鼓勵銀行業金融機構按市場化原則與企業共同協商延期還本付息。
通知明確表示,對於今年第四季到期的、因新冠肺炎疫情影響暫時遇困的小微企業貸款,包括個體工商戶和小微企業主經營性貸款,還本付息日期原則上最長可延至2023年6月30日,延期貸款將正常計息,但免收罰息。
當局強調,各銀行業金融機構應堅持實質性風險判斷,及時調整信貸管理系統,不單獨因疫情因素下調貸款風險分類,不影響徵信記錄,並完善貸款延期還本付息相關盡職免責規定。另外亦應強化金融科技賦能,提前對接企業延期需求,為企業提供差異化貸款延期方式、線上續貸產品和貸款延期線上辦理渠道等,提高小微企業辦理貸款延期的便利度。
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