Financial management cannot be transferred out due to the epidemic, which affects loan repayment? Response of Beijing Banking and Insurance Regulatory Bureau

category:Finance
 Financial management cannot be transferred out due to the epidemic, which affects loan repayment? Response of Beijing Banking and Insurance Regulatory Bureau


In response to the problem that a bank customer had previously reported that due to the epidemic, the funds of financial products could not be transferred out, affecting loan repayment and credit investigation.

The first financial reporter learned that the Beijing Banking and Insurance Regulatory Bureau quickly organized internal research and coordination in the industry, effectively urged a number of banking institutions to formulate and publish measures in succession, adjusted the opening date, maturity date and capital to account date of financial products in special periods, to avoid affecting the capital flow of customers due to capital convergence and other issues, and radiated the whole industry from one complaint.

In terms of increasing credit support, the Beijing Banking and Insurance Regulatory Bureau said that in accordance with the requirements of the regulatory authorities on giving priority to ensuring that special funds for epidemic prevention and control and social assistance funds are in place in a timely manner, special and urgent affairs should be handled in all banking institutions in Beijing to actively open up green channels and fully guarantee the supply and circulation of funds for epidemic prevention.

Specifically, Beijing Branch of industrial and Commercial Bank of China quickly responded to the emergency needs of fund transfer and payment settlement, completed the examination and approval of 1 billion yuan working capital loan of an airline in only 3 hours, cooperated with the civil aviation to implement the withdrawal at any time; reviewed and released 600 million yuan of loan for a pharmaceutical company in time according to the optimal loan interest rate for the purchase and production of medical supplies; Beijing Branch of China Development Bank Adhere to daily scheduling, and complete the approval and release of RMB 20 million emergency loan related to a medical companys RMB 200 million emergency loan project and a technology companys huoshenshan and leishenshan hospital construction projects within 24 hours; strengthen cross-border linkage of Bank of China Beijing Branch, quickly solve the global procurement payment problem for the protection material import enterprises; and complete a certain emergency loan within 2 hours for Industrial Bank Beijing Branch The medical equipment company imported 150000 US dollars purchase and payment of foreign exchange business and actively reduced remittance fees to ensure the timely delivery of epidemic prevention materials.

In the critical period, the insurance industry risk guarantee function is an important shock absorber and stabilizer. The capital insurance industry donates insurance amount, simplifies claim settlement procedures, and ensures always on line insurance risk protection.

Beijing bancassurance Bureau said that in accordance with the requirements of the regulatory authorities for strengthening insurance coverage for patients and medical staff, we should actively design and donate exclusive insurance products in various insurance institutions in Beijing, open a green claim settlement channel and a 7 u00d7 24-hour service hotline, and actively remove the restrictions on designated hospitals, medical insurance waiting period and medical insurance deductible, so as to fully participate in the epidemic Prevention and control.

China Life Insurance, PICC, Taikang Insurance, love life insurance, Xinhua insurance, China Insurance, Changan liability insurance, etc. donated exclusive insurance products with a maximum amount of 500000 yuan per person to medical staff and their families in Wuhan and medical staff from other places, among which the total amount of risk protection of exclusive insurance products donated by China Life Insurance reached 90 billion yuan. Beijing Life Insurance Co., Ltd. specially designs and donates the exclusive insurance products of 500000 yuan per person for the medical staff in Wuhan. Meanwhile, the total amount of materials and funds donated directly by insurance companies in Beijing has exceeded 45 million yuan. Taikang pension opened reporting and claims without insurance policies for the epidemic, and cancelled the hospital level restrictions on claims settlement and hospitalization. Junkang life insurance Beijing Branch cancelled the medical insurance expense limit for the epidemic and promised to settle the claim quickly, and completed the settlement and payment within 1 working day after the confirmation of the data. Beijing Branch of Dazhou Life Insurance Co., Ltd. takes the initiative to contact the insured and their families involved in the epidemic situation to carry out one-to-one professional services, giving priority to the handling of compensation cases and payment of compensation.

The epidemic affected all walks of life and affected thousands of households. To this end, the Beijing Banking and Insurance Regulatory Bureau requires that the banking and insurance industry should urgently handle special affairs, take the initiative to assume social responsibility, and work together with enterprises and financial consumers to overcome difficulties.

The Beijing banking and Insurance Regulatory Bureau said that in accordance with the regulatory requirements on helping enterprises survive the crisis and giving preferential policies to people affected by the epidemic situation, insurance institutions in Beijing have flexibly adjusted their business policies and adhered to the principle of offering practical measures and doing practical things to provide customers in the capital and even across the country with more humane and high-quality financial services. In view of the situation that a large number of passengers have changed or cancelled their travel plans due to the epidemic situation during the Spring Festival, a large amount of cash has been urgently allocated to various banking institutions in Beijing to effectively guarantee the cash withdrawal demand of railway stations in Beijing, and to effectively handle centralized refunds of Railway, civil aviation and other systems through the banks internal online advances, so as to ensure the instant arrival of passengers refunds. For example, the Bank of Beijing launched a special credit product Jingcheng loan to deal with the epidemic, which specially serves small and micro enterprises that are temporarily closed down due to the impact of the epidemic and have difficulty in capital turnover, provides credit fund support through loan renewal, extension and other ways, and reduces the loan interest rate of enterprises in distress. A number of banking institutions are exempt from service charges for donations and transfer of special funds to the epidemic prevention related accounts in Hubei Province. Source: First Financial Editor: Guo Chenqi, nbj9931

The Beijing banking and Insurance Regulatory Bureau said that in accordance with the regulatory requirements on helping enterprises survive the crisis and giving preferential policies to people affected by the epidemic situation, insurance institutions in Beijing have flexibly adjusted their business policies and adhered to the principle of offering practical measures and doing practical things to provide customers in the capital and even across the country with more humane and high-quality financial services.

In view of the situation that a large number of passengers have changed or cancelled their travel plans due to the epidemic situation during the Spring Festival, a large amount of cash has been urgently allocated to various banking institutions in Beijing to effectively guarantee the cash withdrawal demand of railway stations in Beijing, and to effectively handle centralized refunds of Railway, civil aviation and other systems through the banks internal online advances, so as to ensure the instant arrival of passengers refunds.

For example, the Bank of Beijing launched a special credit product Jingcheng loan to deal with the epidemic, which specially serves small and micro enterprises that are temporarily closed down due to the impact of the epidemic and have difficulty in capital turnover, provides credit fund support through loan renewal, extension and other ways, and reduces the loan interest rate of enterprises in distress. A number of banking institutions are exempt from service charges for donations and transfer of special funds to the epidemic prevention related accounts in Hubei Province.