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Central bank to extend liquidity support for small and micro businesses
Published on: 2022-11-15
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China has stepped up support for epidemic-hit small market players by deferring their loan repayments, according to a circular jointly released by the country's central bank and five other government departments on Monday.
 

The principal and interest repayments on loans made to micro and small enterprises due in the fourth quarter of 2022 can be extended to June 30, 2023 at most, according to the circular.
 

The circular said the central bank will make comprehensive use of its monetary policy toolkits to maintain reasonably adequate liquidity in the banking system, and financial regulators should implement differentiated policies on the tolerance of non-performing loans for small and micro businesses.
 

Government financing guarantee institutions are encouraged to extend the guarantee period and to continue to provide credit support for enterprises in need, according to the circular.
 

央行等进一步加大对小微企业贷款延期还本付息支持力度

近日,人民银行、银保监会、财政部、发展改革委、工业和信息化部、市场监管总局等六部门联合印发《关于进一步加大对小微企业贷款延期还本付息支持力度的通知》(以下简称《通知》),对于2022年第四季度到期的小微企业贷款,鼓励银行业金融机构按市场化原则与企业共同协商延期还本付息。
 

《通知》明确,对于2022年第四季度到期的、因新冠肺炎疫情影响暂时遇困的小微企业贷款(含个体工商户和小微企业主经营性贷款),还本付息日期原则上最长可延至2023年6月30日。延期贷款正常计息,免收罚息。各银行业金融机构要坚持实质性风险判断,及时调整信贷管理系统,不单独因疫情因素下调贷款风险分类,不影响征信记录,并完善贷款延期还本付息相关尽职免责规定。

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