On the afternoon of February 1, the People's Bank of China, the Ministry of Finance, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission and the Foreign Exchange Bureau jointly issued the Notice on Further Strengthening Financial Support for the Prevention and Control of Pneumonia in novel coronavirus (hereinafter referred to as the Notice). The Notice consists of five parts and 31 measures. The "Notice" mentioned that enterprises seriously affected by the epidemic can extend or renew their loans if it is difficult to repay due. Support related enterprises to overcome the impact of epidemic disasters by appropriately lowering loan interest rates, increasing credit loans and medium and long-term loans. For those hospitalized or isolated people infected with new pneumonia, those who need isolated observers for epidemic prevention and control, those who participate in epidemic prevention and control, and those who have temporarily lost their sources of income due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period. In addition, some expenses such as the listing of companies in areas with serious epidemics will be reduced. The full text of the notice is as follows: Since the outbreak of pneumonia in novel coronavirus, the CPC Central Committee and the State Council have attached great importance to it. The financial system has conscientiously implemented the decision-making arrangements of the CPC Central Committee and the State Council, taken the initiative to ensure the smooth flow of financial services and supported the prevention and control of epidemic situations in various places, and played a positive role. At present, epidemic prevention and control is at a critical stage. In order to effectively implement the spirit of the Notice of the Central Committee on Strengthening the Party's Leadership and Providing Strong Political Guarantee for Winning the Prevention and Control of Epidemic Situation and the work arrangement of the Central Committee's Leading Group for Dealing with the Pneumonia Epidemic Situation in novel coronavirus, and further strengthen the financial support for the prevention and control of epidemic situation, the relevant matters are hereby notified as follows: 1. Maintain a reasonable and sufficient liquidity and increase monetary and credit support. The People's Bank of China continues to strengthen the expected guidance, and provides sufficient liquidity through various monetary policy tools such as open market operation, standing loan facilities, refinancing and rediscount, so as to maintain a reasonable and sufficient liquidity in the financial market and maintain the smooth operation of interest rates in the money market. Branches of the People's Bank of China will appropriately increase the tolerance of deposit reserve assessment in late October 2121 for financial institutions affected by the adjustment of the Spring Festival holiday. Guide financial institutions to increase credit supply to support the real economy and promote the reasonable growth of money and credit. (two) to increase credit support for epidemic prevention and control related fields. During the period of epidemic prevention and control, the People's Bank of China, together with the Development and Reform Commission and the Ministry of Industry and Information Technology, will implement list management for key enterprises that produce, transport and sell important medical materials such as medical protective clothing, medical masks, medical goggles, novel coronavirus test kits, negative pressure ambulances, sterilizers, 84 disinfectant, infrared thermometers and related drugs, and important living materials. The People's Bank of China provides low-cost funds to financial institutions through special refinancing, and supports financial institutions to provide credit support at preferential interest rates to enterprises on the list. The central government gives discount support to key enterprises for epidemic prevention and control. Financial institutions should take the initiative to strengthen the service docking with relevant hospitals, medical research institutions and related enterprises, provide sufficient credit resources, and fully meet the reasonable financing needs of relevant units and enterprises in health and epidemic prevention, medical supplies manufacturing and procurement, public health infrastructure construction, scientific research and technological transformation. (three) to provide differentiated preferential financial services for regions, industries and enterprises that are greatly affected by the epidemic. Financial institutions should adjust regional financing policies, transfer pricing of internal funds, implement differentiated performance appraisal methods and other measures to enhance the financial supply capacity of areas seriously affected by the epidemic. For wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries that are greatly affected by the epidemic, as well as enterprises that have development prospects but are temporarily difficult due to the epidemic, especially small and micro enterprises, they are not allowed to blindly borrow, cut off or pressure loans. If it is difficult for enterprises seriously affected by the epidemic to repay their loans at maturity, they may extend or renew their loans. Support related enterprises to overcome the impact of epidemic disasters by appropriately lowering loan interest rates, increasing credit loans and medium and long-term loans. Government financing guarantee re-guarantee institutions at all levels should cancel the counter-guarantee requirements and reduce the guarantee and re-guarantee fees. For financing guarantee re-guarantee institutions in areas seriously affected by the epidemic, the national financing guarantee fund will charge re-guarantee fees by half. (four) improve the financial services in the social and people's livelihood areas affected by the epidemic. For those hospitalized or isolated people infected with new pneumonia, those who need isolated observers for epidemic prevention and control, those who participate in epidemic prevention and control, and those who have temporarily lost their sources of income due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period. Personal business guarantee loans infected with new pneumonia can be extended for one year and continue to enjoy financial discount support. Financial institutions should give priority to customers who are infected with new pneumonia or damaged by the epidemic, appropriately expand the scope of responsibility, and make full compensation. (five) to improve the efficiency of financial services during the epidemic. For the financing needs of areas and regions that are greatly affected by the epidemic, financial institutions should establish and start fast approval channels, simplify business processes, and effectively improve the efficiency of business handling. In areas subject to traffic control, financial institutions should innovate their working methods, and handle the business of approving loans for enterprises as soon as possible by working in the nearest outlets and holding video conferences. (six) support development and policy banks to increase credit support. China Development Bank, Export-Import Bank and Agricultural Development Bank should, in combination with their own business scope, strengthen overall coordination, rationally adjust credit arrangements, increase financial support for production research and development of epidemic prevention units and enterprises with difficulties in market financing, import and procurement of medical supplies, and production, transportation and sales of important living materials supply enterprises, so as to reasonably meet the needs of epidemic prevention and control. (7) Strengthen credit support in key areas such as manufacturing, small and micro enterprises and private enterprises. Financial institutions should strengthen service capacity building around internal resource allocation, incentive and assessment arrangements, continue to increase support for small and micro enterprises and private enterprises, maintain loan growth, and effectively implement the requirements for comprehensive financing cost reduction. Increase medium and long-term loans in manufacturing industry. (8) Give full play to the distinctive advantages of financial leasing. For the financial leasing business of medical equipment related to epidemic prevention and control in financial leasing companies, it is encouraged to delay or reduce the relevant rent and interest, and provide preferential financial services for medical equipment leasing. Second, rationally allocate financial resources to ensure the people's daily financial services (9) ensure the smooth flow of basic financial services. Financial institutions should, according to the needs of epidemic prevention and control work, reasonably arrange business outlets and business hours, effectively clean and disinfect business premises, and ensure the smooth flow of basic financial services. Financial institutions should strengthen online services nationwide, especially in areas with severe epidemics, and guide enterprises and residents to handle financial services through online means such as the Internet and mobile APP. (11) Strengthen cash management in circulation. Rationally allocate cash resources to ensure adequate cash supply. Increase the cash supply to hospitals, residential communities and emergency construction projects, and meet the large cash demand of relevant units and enterprises in the procurement of epidemic materials in a timely manner. Do a good job in disinfection of cash storage and business handling sites. As far as possible, the cash paid to the outside world is mainly new coupons, and the cash received is disinfected and deposited in the branches of the local people's bank. (eleven) to ensure the smooth operation of payment and settlement. The People's Bank of China, according to the needs, liberalized the business quota of micropayment system, extended the operation time of large-value payment system and centralized accounting data system of the central bank, and supported financial institutions to handle RMB deposits online. Branches of the People's Bank of China, clearing institutions and banking financial institutions should do a good job in the normal and safe operation of various payment and clearing systems and the centralized accounting data system of the central bank, open special channels for epidemic prevention and control, and ensure the timely allocation of domestic and foreign rescue and donation funds and the efficient and smooth flow of social funds. (twelve) the establishment of bank account epidemic prevention "green channel". Banking financial institutions should, under the premise of controllable risks, do a good job in bank account services related to epidemic prevention and control, simplify the account opening process and speed up business handling. It is necessary to actively open up a "green channel" for donations to ensure that the epidemic prevention and control funds reach the designated payee account at the first time. Reduce or exempt banking financial institutions from handling remittance fees related to epidemic prevention and control through the payment system of the People's Bank of China. Clearing institutions and banking financial institutions are encouraged to reduce or exempt service fees for transfer and remittance business to charity accounts or special accounts in epidemic areas and cash withdrawal business in epidemic areas. (thirteen) increase the security of electronic payment services. Support banking financial institutions and non-bank payment institutions to conduct merchant access audit and daily inspection by means of remote video and telephone during epidemic prevention and control, and strengthen risk prevention and control through transaction monitoring. Encourage clearing institutions, banking financial institutions and non-bank payment institutions to implement preferential payment service fees for special merchants in specific fields or regions. Banking financial institutions and non-bank payment institutions should strengthen the service guarantee of electronic channels, flexibly adjust the relevant business limits, and guide customers to handle payment and settlement online through electronic channels such as electronic commercial bill system, personal online banking, enterprise online banking, mobile banking, and payment service APP. (fourteen) to effectively protect the rights and interests of the public. Branches of the People's Bank of China and access institutions of financial credit information basic database should properly arrange credit inquiry services and guide the public to conduct credit inquiry through the Internet and self-service inquiry machines. It is necessary to reasonably adjust the submission of overdue credit records. For those who are hospitalized or isolated due to new pneumonia, those who need to be isolated for epidemic prevention and control, and those who participate in epidemic prevention and control, if they fail to repay in time due to the impact of the epidemic, the relevant overdue loans may not be submitted as overdue records, and those that have been submitted shall be adjusted. Individuals and enterprises that have temporarily lost their sources of income due to the epidemic can submit their credit records according to the adjusted repayment arrangements. (15) unblock the emergency appropriation channel of the state treasury. Establish a cooperative working mechanism between the treasury and the bank, keep abreast of the allocation arrangements of funds for epidemic prevention and control in the financial sector, and do a good job in fund allocation at any time. Strengthen the guidance of relevant businesses of commercial banks, establish an information feedback mechanism, and track the disbursement of funds in a timely manner. The People's Bank of China and commercial banks ensure the smooth channel of fund remittance and the safe and stable operation of treasury business-related systems, and build a "green channel" for epidemic prevention and control funds. Treasury departments at all levels should simplify business processes and procedures to ensure timely, safe and accurate allocation of funds for epidemic prevention and control. (sixteen) to effectively protect the legitimate rights and interests of consumers. Financial institutions should establish the concept of responsible finance, and announce to the public in advance the outlets that are temporarily closed or have their business hours adjusted due to the epidemic situation and take the initiative to explain the outlets that are close to normal business. Financial institutions should make full use of online and other means to keep complaint channels open, optimize customer consultation and complaint handling processes, and properly handle financial consultation and complaints related to the epidemic in a timely manner. Financial institutions should effectively strengthen industry self-discipline, maintain market order, and may not use the epidemic situation for improper financial marketing propaganda. III. Ensuring the safety of financial infrastructure and maintaining the stable and orderly operation of financial markets (XVII) Strengthening the guarantee of financial infrastructure services. The financial market infrastructure should improve its service support ability from the aspects of working mechanism, staffing, office space, system operation and maintenance, technical support, etc., ensure the normal operation of issuance, trading, clearing and settlement, and implement the whole process and full chain online operation as much as possible. It is necessary to formulate an emergency plan to respond quickly and deal with emergencies efficiently. It is necessary to strengthen communication with competent departments, market institutions and other financial infrastructure to keep the business system connected smoothly. In areas greatly affected by the epidemic, it is necessary to open a "green channel", provide special service arrangements when necessary, and reduce the service charges. (eighteen) to carry out financial market related business. Financial institutions should rationally deploy personnel, carry out transactions, clearing, settlement, issuance and underwriting related to financial markets, and strengthen liquidity management and risk response. It is necessary to reasonably guide investors' expectations and ensure the smooth and orderly development of various businesses in the financial market. For financial institutions in areas affected by the epidemic, it is necessary to maintain normal business contacts and increase support. (nineteen) improve the efficiency of bond issuance and other services. China Association of Interbank Market Dealers, Shanghai Stock Exchange, Shenzhen Stock Exchange, etc. should optimize the issuance workflow of corporate credit bonds, encourage financial institutions to submit online application materials for the issuance of corporate credit bonds, and remotely handle filing and registration, so as to reduce the risk of epidemic spread. Establish a "green channel" for the registration and issuance of financial bonds, asset-backed securities and corporate credit bonds issued by financial institutions and enterprises in epidemic prevention and control areas, and establish a "green channel" for private equity investment funds to be invested in epidemic prevention-related medical equipment and vaccine drug production and research enterprises, so as to effectively improve service efficiency. (twenty) flexible and appropriate adjustment of corporate information disclosure and other regulatory matters. Listed companies, listed companies and corporate bond issuers are affected by the epidemic, and it is difficult to disclose the 2119 annual report or the first quarter quarterly report of 2121 within the statutory time limit. The CSRC, the stock exchange and the national share transfer system for small and medium-sized enterprises should be properly arranged according to law. If a listed company is affected by the epidemic and it is difficult to disclose the performance forecast or performance express on schedule, it may apply to the stock exchange for an extension; If it is difficult to disclose the 2119 annual report on the original appointment date, it may apply to the stock exchange for an extension to the disclosure before April 31, 2121. Hubei securities fund management institutions may apply to the local securities regulatory bureau for an extension of the audit, disclosure and filing of the annual report. Public Offering of Fund or other asset management products managed by securities fund institutions that are greatly affected by the epidemic, the manager may apply to the local securities regulatory bureau for an extension of the annual report audit and disclosure. For securities fund futures operating institutions in areas with serious epidemic situation, the regulatory standards for relevant risk control indicators shall be appropriately relaxed. (twenty-one) appropriately relax the time limit for handling capital market-related businesses. Appropriately extend the validity period of the financial information of the administrative license for merger and reorganization of listed companies and the time limit for issuing the notice of convening the shareholders' meeting after the reorganization plan is disclosed. If it is really impossible to update the financial information or issue the notice of the shareholders' meeting on schedule due to the epidemic, the company can apply for an extension of the validity of the financial information or the notice of the shareholders' meeting for 1 months after fully disclosing the specific impact of the epidemic on this reorganization, and can apply for an extension of up to 3 times. During the epidemic period, the time limit for replying to the stock issuer's feedback, the time limit for replying to the notification letter, the time limit for the expiration and termination of the financial report, and the validity period of the refinancing approval issued shall be suspended from the date of promulgation of this notice. If a bond issuance license has been obtained, but the issuance cannot be completed within the validity period of the license due to the epidemic, it may apply to the CSRC for an extension of the issuance. (twenty-two) reduction of some expenses such as listing of companies in areas with serious epidemic situation. Exempt listed companies in Hubei Province from the annual listing fee and annual listing fee in 2121 that should be paid to the stock exchange and the national share transfer system for small and medium-sized enterprises. Exempt Hubei Futures Company from the 2121 annual membership fee and seat fee that should be paid to the futures exchange. Four, the establishment of a "green channel", and effectively improve the efficiency of foreign exchange and cross-border RMB business (twenty-three) to facilitate the import of epidemic prevention materials. Banks should open up a "green channel" for cross-border RMB business such as import and donation of materials related to epidemic prevention and control. For the import of epidemic prevention and control materials required by relevant departments and local governments, all branches of the foreign exchange bureau shall guide banks within their jurisdiction to simplify the business processes and materials for import, purchase and payment of foreign exchange. (twenty-four) convenient capital inflow