In order to do a good job in financial support for the epidemic prevention and control in Shanghai, Bank Of Communications Co.Ltd(601328) launched 19 measures to give full play to the role of financial support, help Shanghai resolutely win the war of epidemic prevention and control, and do a good job in assisting enterprises, stabilizing posts, promoting employment and ensuring people’s livelihood.
I. attach great importance to and do a good job in various normalized emergency support
(I) comprehensively and strictly carry out epidemic prevention and control. We will further improve our political standing, strengthen organizational leadership, and ensure that leading cadres and Party members play a leading role. We will implement various prevention and control measures strictly, strictly, carefully and realistically, and do not be paralyzed, tired of war and relaxed, so as to ensure a stable response to emergencies. Guide and encourage cadres and employees to participate in voluntary services for epidemic prevention and control in a safe, orderly and convenient manner.
(2) establish an emergency support mechanism during the epidemic. According to the relevant deployment of epidemic prevention and control in Shanghai, business continuity arrangements shall be properly made. During the epidemic period, special personnel shall be on duty for key posts 24 hours, and the employees shall adopt the combination mode of remote office, multi-point office and residential and bank office to ensure the normal operation of various businesses and provide uninterrupted full-function financial services.
(III) do a good job in the safety management of business outlets during the epidemic period. Strengthen the safety management of key risk parts such as business hall, cash area, business warehouse and self-service equipment; Effectively handle emergencies; Strict personnel access management, and implement the requirements for personnel entering and leaving the business place to carry out temperature detection, check the health code (travel code), and remind them to wear masks according to the regulations.
(IV) earnestly perform the duties of the treasury centralized payment agent bank, and comprehensively ensure the smooth progress of financial emergency payment. In view of the urgent fund allocation and payment needs of financial and other institutions for epidemic prevention and control, establish a rapid response mechanism, simplify the process, resolutely provide financial expenditure guarantee services, and fully cooperate in the payment of subsidies to enterprises and individuals supporting epidemic prevention and control.
II. Increase investment and fully implement the guarantee of credit funds for enterprises fighting the epidemic
(V) further increase credit support. Actively connect and respond quickly to the financing needs of epidemic prevention and control units (such as drugs, protective articles, testing and R & D, medical equipment, medical infrastructure construction, etc.) and people’s livelihood guarantee enterprises (such as main and non-staple food, daily necessities, supermarkets, logistics, etc.), and provide special financing service schemes.
(VI) support the construction of anti epidemic related medical projects. By means of emergency relief working capital loans, government purchase service financing and other means, support the two-level governments in Shanghai to do a good job in various epidemic prevention and anti epidemic work, such as the construction and operation and maintenance of shelter hospitals, nucleic acid detection, cleaning and disinfection, closed transshipment, treatment, procurement and supply of living materials.
(7) strengthen the support for the relief of key enterprises. Pay close attention to the operation of industries greatly affected by the epidemic, such as transportation, catering, tourism, hotels, construction and operating property holding enterprises, provide financial service guarantee in time, and assist enterprises to overcome temporary liquidity difficulties. For enterprises that are indeed affected by the epidemic and have difficulties in repaying when due, we will actively support enterprise rescue through temporary extension, loan renewal, repayment arrangement adjustment and other means.
(VIII) open up green credit approval and lending channels, handle urgent and special affairs, provide special credit scale arrangement and preferential interest rate pricing, and ensure the timely investment of funds. For the credit of small and micro enterprises related to the production of epidemic prevention and control materials and the guarantee of people’s livelihood, the flexible use of e-mail, video and other methods to achieve the whole process of online approval and “on-site review”.
III. make accurate efforts to do a good job in inclusive financial services
(IX) improve service measures for small and micro enterprises. Make full use of the empowerment of scientific and technological means such as big data, conduct due diligence, information collection, underwriting, annual review and other processes for small and micro enterprises in the way of Wuxi Online Offline Communication Information Technology Co.Ltd(300959) combination and on the premise of ensuring compliance. Make full use of “bank tax interaction” and other platforms to accurately serve small and micro enterprises, and adjust the credit loan verification strategy in combination with the government’s preferential policies such as tax relief. For customers who meet various support policies such as deferred tax payment of the state, they can take the initiative to increase the renewal credit line. Continue to enable “inclusive e-Loan” online comprehensive financing products, and further increase the financing supply of first loan and credit loan for small and micro enterprises.
(x) take the initiative to deal with small and micro enterprises in industries that have been impacted by the epidemic. We will not blindly withdraw loans, cut off loans and suppress loans. For loans to small and micro enterprises due in 2022, we should continue to implement support policies such as delayed repayment of principal and interest, protect the relevant rights and interests of customers’ credit investigation and help them tide over the difficulties. The interest payment of “inclusive e-Loan” financing customers during the epidemic period shall be postponed as appropriate.
(XI) increase efforts to reduce fees and interest rates for large, small and micro enterprises. Free of small and micro enterprise loan commitment fee, corporate account overdraft commitment fee, fund management fee, financial advisory fee and other fees. Guarantee the supply of credit resources for key enterprises in epidemic prevention and control, such as drugs, protective articles and medical equipment, and actively implement preferential interest rates and reduction of settlement expenses. The operating loans of corresponding small and micro enterprises and individual industrial and commercial households can be given special preferential treatment on the basis of the current interest rate.
IV. take multiple measures to fully support retail customers affected by the epidemic
(XII) promote fee reduction and profit transfer. From April to the end of the year, new debit card customers will be exempted from annual fees and ordinary card production costs, and free discounts will continue to be given to inter-bank self-service equipment withdrawal and mobile bank transfer fees. We will continue to offer a 10% discount on the handling fees and network service fees of debit card issuers of standard merchants, and a 7.8% discount on preferential merchants. From April, we will cooperate with China UnionPay to reduce the handling fees of acquiring merchants of Bank of communications who contact QR code to pay transactions for less than 500 yuan.
(XIII) take the initiative to provide services such as delayed repayment of principal and interest. For online mortgage individual loan customers, a grace period of up to 30 days for principal repayment can be given. For individual loan customers affected by the epidemic and temporarily reduced repayment ability, a certain grace period and credit investigation and relief support can be given according to the policy during the epidemic prevention and control period.
(XIV) provide repayment policy support to medical staff and government staff participating in epidemic prevention and control, confirmed patients, isolated personnel (including isolated observers), suspected patients, as well as the spouses of the above-mentioned personnel and other personal loan customers, and give a grace period of three months as appropriate.
v. technology empowerment to improve the quality and efficiency of online financial services
(XV) increase guidance on online financial services and non-contact services. Advocate online office and paperless office, provide online corporate financial services without leaving home, and realize a series of functions such as daily accounting processing, centralized management of group funds, online opening and acceptance of bills, second pasting of bills, online factoring and online financial management through online channels such as enterprise online banking, enterprise mobile banking and bocom smart gold service platform, so as to ensure the safe and efficient handling of various businesses. Improve the online level of business through online channels such as mobile banking, Bank of communications on cloud and 95559 customer service to ensure uninterrupted financial services during the epidemic. With the help of the cloud bank of communications channel, it provides online one-to-one video business guidance for home customers, and solves the problem that customers cannot go to the outlets to handle business in person due to epidemic prevention and control.
(XVI) ensure the smooth operation of financial factor market business. Connect with market institutions, formulate emergency plans door-to-door, allocate sufficient resources such as system operation and maintenance personnel, hardware and software at the head office, support Shanghai branch to arrange the configuration of settlement service mode combining on-site duty and remote operation, quickly respond to cross-border and cross market fund allocation and settlement in financial factor market, ensure timely and accurate fund settlement, and ensure the stability of transactions in currency, bond, foreign exchange and precious metal markets.
(XVII) ensure that the cross-border collection and payment channels of enterprises are unblocked, and provide timely foreign exchange settlement and sales transactions and interest rate and exchange rate risk management services. Document settlement is handled quickly to ensure uninterrupted business. Provide full product online cross-border financial services to fully support customers’ remote non-contact business processing needs.
(XVIII) help stabilize the supply chain of key industrial chains in Shanghai. Strengthen the promotion of online financing services in key areas such as medicine and medical treatment, people’s livelihood security, living materials and construction, focus on promoting a series of products such as online acceptance, online discount, online factoring and online second release, and drip credit funds into all links of the industrial chain efficiently and accurately, so as to help enterprises tide over the epidemic smoothly.
(XIX) continue to do a good job in the digital support of “benefiting the people to seek medical treatment”, and effectively ensure the contactless payment service for medical treatment. Make full use of the digital combination of Finance and diagnosis and treatment, and support medical institutions to reshape the medical payment process by improving the convenience of financial services, so that patients can run less errands, do not queue up and avoid operation, so as to comprehensively reduce the risk of cross infection of patients during treatment.
