疫情危机下，一方面，商业银行的营业网点直接停工停产，除线上业务外，线下

Under the epidemic crisis, on the one hand, the business outlets of commercial banks directly shut down and suspend production. Except for online business, almost all offline business ceased. At the same time, rigid expenditures such as human resources and fixed costs have not been reduced, and in order to prevent the spread of the epidemic In the past, the expenditures for epidemic prevention and anti-epidemic increased. On the other hand, at the customer level, due to the impact of the epidemic, the operating income decreased, the cash flow was interrupted, and the loan could not be repaid on time. In order to rescue the customer, the commercial bank had to endure the interest rate and fee reduction while breaking through the financial profit and loss point. Revenue may become sunk costs, and if the customer cannot survive, the loan becomes bad debt.

Under the crisis of the epidemic, on the one hand, commercial banks' business outlets directly stop production, in addition to online business, offline business almost all stopped, while human resources, fixed costs and other rigid expenditure has not been reduced, and in order to prevent the spread of the epidemic than in the past increased the expenditure of epidemic prevention, anti-epidemic. On the other hand, the customer level due to the impact of the outbreak, reduced operating income, cash flow, can not be on time to repay the interest, commercial banks in order to rescue customers, had to break through the financial profit and loss point of the case to endure interest relief, this part of the reduced income may become sunk costs, if the customer is not alive, the loan becomes bad debt.

Under the epidemic crisis, on the one hand, the business outlets of commercial banks directly shut down and shut down, except for the online business, the offline business almost stopped, while at the same time, the rigid expenditure such as human resources and fixed costs has not been cut, and in order to prevent the spread of epidemic situation, the expenditure for epidemic prevention and anti epidemic has also been increased. On the other hand, due to the impact of the epidemic situation on the customer level, the business income is reduced, the cash flow is cut off, and the loan and interest cannot be repaid on schedule; in order to help customers, commercial banks have to bear the pain of interest and fee reduction when breaking through the financial profit and loss point, which may become sunk cost. If the customer fails to rescue, the loan will become bad debt.<br>