I. Protection of credit information rights and related policies during epidemic prevention and control
       Reasonable adjustment of overdue credit record submission，People who have been hospitalized or quarantined due to the new type of pneumonia, people who need to be quarantined for observation and staff participating in epidemic prevention and control，Failing to repay in time due to the impact of the epidemic，Approved by the access agency，Relevant overdue loans may not be submitted as overdue records，Those already submitted will be adjusted。Individuals and enterprises that have temporarily lost their sources of income due to the epidemic can submit credit records according to the adjusted repayment arrangements。
       -- Notice on Further Strengthening Financial Support for the Prevention and Control of the Novel Coronavirus Pneumonia Epidemic (Yinfa (2020) No. 29)
       Second, micro, small and medium-sized enterprises to resume work and production related credit support policies
       1. Arrange for the extension of principal and interest payments on loans to micro, small and medium-sized enterprises。We will improve the policy of deferred principal and interest payments, and increase support for inclusive small and micro enterprises in deferred principal and interest payments。Banking and financial institutions should strengthen the implementation of policies, increase the proportion of beneficiary enterprises, and extend the term of loans to enterprises that were operating normally before the epidemic and faced difficulties due to the impact of the epidemic。It is necessary to combine the actual situation of the enterprise to provide differentiated support such as installment repayment, interest equalization to the subsequent repayment date。Improve response efficiency, simplify handling procedures, and encourage online handling。”
       -- Guiding Opinions on Further Strengthening Financial Services for Micro, Small and Medium-sized Enterprises of the Development and Reform Commission of the People's Bank of China, Banking and Insurance Regulatory Commission, Ministry of Industry and Information Technology, General Administration of Market Supervision, Securities Regulatory Commission, Foreign Exchange Bureau of the CSRC (Yinfa (2020) No. 120)  
       2. For the inclusive small and micro loans due from June 1 to December 31, 2020 (including loans for small and micro enterprises with a single credit of 10 million yuan or less, individual industrial and commercial enterprises and small and micro business owners)，下同），In accordance with the "shall be postponed" requirement，We will implement phased deferment of principal and interest payments。For loans to other small, medium and micro enterprises that mature before the end of 2020, and loans to enterprises with special difficulties such as large international industry chain enterprises (foreign trade enterprises), the enterprises can independently negotiate with banking financial institutions to postpone the repayment of principal and interest。
      For the principal of inclusive small and micro loans due from June 1 to December 31, 2020, banking financial institutions should, according to the application for deferred repayment of the principal of the enterprise, combined with the impact of the epidemic situation and business conditions of the enterprise, through loan extension, renewal and other ways, give the enterprise a certain period of deferred repayment arrangement。The repayment date can be extended up to 31 March 2021。If the above loan involves a guarantee, the banking financial institution shall negotiate with the enterprise, the guarantor, etc., and maintain an effective guarantee arrangement or provide alternative arrangements according to commercial principles。
      For the interest payable on inclusive small and micro loans from June 1 to December 31, 2020, banking financial institutions should give enterprises a certain period of deferred interest payment arrangement according to the enterprise's application for deferred interest payment, combined with the enterprise's affected by the epidemic and operating conditions。The loan interest payment date can be extended up to March 31, 2021, without penalty interest。The specific repayment plan of deferred interest shall be independently negotiated and reasonably determined by the banking financial institution and the enterprise。”
       -- Notice of the Ministry of Industry and Information Technology of the Development and Reform Commission of the People's Bank of China, Banking and Insurance Regulatory Commission of the People's Bank of China on Further Implementing Phased Deferred Repayment of Principal and Interest on Loans to Micro, Small and Medium-sized Enterprises (Yinfa (2020) No. 122)
       3. Use movable property financing registration and publicity system to publicize the ownership of movable property rights
       In 2013, the Credit Information Center of the People's Bank of China authorized the establishment of movable property financing registration and publicity system in accordance with the Property Law of the People's Republic of China。The construction concept of modern movables guarantee registration system advocated by the United Nations Commission on International Trade Law and the World Bank Doing Business Report is the first Internet-based, national centralized and unified movables financing registration system in China。
       In order to support movable property financing and serve the development of small and medium-sized enterprises, the Credit Information Center of the People's Bank of China has been committed to the construction and improvement of China's movable property financing service system, especially the movable property financing registration system。According to industry practice and market demand, the credit information Center continues to expand the scope of service on the basis of the accounts receivable pledge registration service。Thanks to the construction of the registration system compatibility and good publicity effect，The registration business in demand in the market tends to register and inquire in this system spontaneously，As an important financial infrastructure，The operation and service of the registration system have played a positive role in protecting the security of movables secured transactions and promoting the improvement of the registration and publicity system of movables financing。
       The system covers most types of movables secured transactions，Including accounts receivable pledge, accounts receivable transfer, retention of title, margin pledge, inventory and warehouse receipt pledge, liens, movables trust, finance lease，This year in Chongqing increased the production equipment, raw materials, semi-finished products, products four categories of property mortgage registration services。The system serves commercial banks, leasing companies, factoring companies, guarantee companies, loan companies and other institutions engaged in movable property guarantee financing business。The core functions of the system are divided into publicity and evidence, publicity is to make the status of property rights public, clarify the ownership of rights, so that the parties and third parties can directly know the status of property rights from the outside, prevent rights conflicts in advance, and reduce transaction risks。The role of evidence is to help solve the conflicts and contradictions of rights that have occurred, and to provide independent and credible evidence for judicial arbitration institutions to judge whether rights exist and determine the priority of rights。
       Since April 28, 2020, four types of property such as production equipment, raw materials, semi-finished products and products of enterprises in Chongqing have been able to carry out mortgage registration and inquiry through the system。As of the end of May, 305 mortgage registrations of four types of property have been completed in our city。Among them, it helped the first 2 live pig mortgage loans in Chongqing to land in Rongchang District and Qianjiang District respectively, with the loan issuance amount of 30 million yuan each。
网址：http://www.zhongdengwang.org.cn
       Fourth, fully apply the accounts receivable financing service platform, activate accounts receivable, and improve the availability of credit
       The accounts receivable financing service platform is a financial infrastructure led by the credit information Center of the People's Bank of China，Not for profit，There is no charge，Create a full-process service system for online accounts receivable financing，The integrated service covers the debtor enterprise confirmation of accounts, the borrower financing information transmission and the pledge registration。
       The system focuses on the automatic transmission of financing related information online through the system docking with financial departments, core enterprises of the supply chain and commercial banks, so as to achieve the whole process, high efficiency and sustainable online accounts receivable financing, and alleviate the key problems such as the difficulty of account confirmation and notification in accounts receivable financing。
       The platform has four major advantages，First, the account information comes directly from the core enterprise financial system，Help the financial provider to verify the authenticity of the trade background，Reduce business risk;Second, the system automatically exchanges financing information，The whole process online convenient operation，Effectively improve the efficiency of financing business;The third is compared with the direct link between banks and enterprises，Achieve a development docking of many，Significantly reduce development costs，Increase two-way choice between firms and funding providers;Four is the platform as independent，Fair third party institutions，Ensure information security of all parties。
       In recent years, the application of the platform has been deepened, the market recognition has been improved, and remarkable results have been achieved in helping micro, small and medium-sized enterprises to finance。As of the end of May 2020, the platform has facilitated a total of 20 financing.90,000 deals for a total of 11.1 trillion yuan, of which more than 70% of the financing supported micro, small and medium-sized enterprises。
       The majority of small, medium-sized and micro enterprises should make full use of the platform, register as platform users, log in to upload accounts receivable information, activate accounts receivable, and alleviate capital problems。
       网址：www.pbccrc.org.cn