Will banks relax lending during the epidemic?

Can banks provide loans during the epidemic?

During the epidemic, banks can provide loans to individuals.

The personal loan process is:

When applying for a bank personal loan, the borrower first needs to meet the bank loan requirements and prepare documents. Usually, the documents required for a personal loan are: local The household registration book, ID card, marriage certificate/divorce certificate, bank statements in the past six months, credit information, etc. are consistent with the information of the personal loan bank.

Secondly, you need to meet the application conditions for bank loans:

1. The applicant is a Chinese citizen between 18 years old and under 60 years old, with full civil capacity;

< p> 2. The applicant has a valid identity certificate and proof of residence;

3. The borrower has a fixed source of income and stable income;

4. The borrower’s credit report is good , no bad credit record, excessive debt or malicious loan default record; no judicial litigation (or case has been closed);

5. The borrower has good willingness and ability to repay;

< p> 6. For corresponding purposes, such as decoration, travel, product purchase, etc., relevant certificates must be issued, but this does not include buying a house or a car. 2022.12.6 Will banks grant loans normally?

Banks will arrange loans during the epidemic. 2. Basis for bank loans during the epidemic. Notice on further strengthening financial support to prevent and control the novel coronavirus pneumonia epidemic. 1. Maintain reasonable and sufficient liquidity, increase monetary and credit support, and strengthen key areas such as manufacturing, small and micro enterprises, and private enterprises. Domain credit support. Financial institutions must strengthen service capacity building around internal resource allocation, incentive and assessment arrangements, etc., continue to increase support for small and micro enterprises and private enterprises, maintain loan growth, and effectively implement comprehensive financing cost reduction requirements. Increase medium- and long-term loans to the manufacturing industry. Based on the above introduction, in order to respond to the epidemic, financial institutions must actively respond and provide credit support to enterprises in need of funds to help them solve practical problems, overcome the difficulties of the epidemic, and ensure social stability. Will banks have a holiday during the epidemic? Will it affect lending?

Whether banks have a holiday during the epidemic is determined by local epidemic prevention policies, which will affect lending

The epidemic will affect bank lending, and the lending direction may Favor certain companies and industries. According to relevant notices issued by the state during the epidemic, the banking system must actively provide loans to companies that produce important materials that need to be used during the epidemic, and the state will also subsidize loan interest to support the epidemic. At the same time, for other enterprises to carry out production and technological innovation, the banking system will also provide loans normally.

Bank lending refers to a credit activity in which the bank provides monetary funds to those in need on the condition that a certain interest rate and must be returned. Lending is the main asset of a bank, the main channel for using funds, the main way to obtain profits, and the focus of bank operations. Banks must consider safety, profitability and liquidity when lending to ensure normal operations and maintain higher returns. Therefore, determining a reasonable loan scale and structure has become an important task for bank asset management. Through bank lending, the contradiction between idle funds and insufficient funds in the circulation of social funds is solved, so that social funds can be effectively and fully utilized, which will play a beneficial role in promoting the establishment and development of the socialist market economy. Bank lending shall be in accordance with the country's industrial policies, strictly implement the country's interest rate policies, and accept the supervision of financial management agencies and relevant departments. Follow the principles of planned management of loans, the principle of material guarantee, the principle of on-schedule repayment, the principle of "differentiated treatment and selective support" and the principle of "evaluation (adjustment) first, then loan commitment" and the principle of economic benefits. The principle of economic efficiency is the basic principle that banks must follow when issuing loans and borrowers using loans.