年省11亿！企业个人迎征信服务降费大礼包

Core Viewpoint - The recent notification from the National Development and Reform Commission aims to reduce credit service fees starting from July 1, 2025, to lower business operating costs and optimize the business environment, which will have a profound impact on financial institutions, businesses, and individuals [1][4]. Group 1: Fee Reductions - The adjustment in credit service fees is significant, with the standard service fee for querying corporate credit reports reduced from 20 yuan to 9 yuan, and for personal credit reports from 2 yuan to 1 yuan [3]. - Various financial institutions, including rural commercial banks and consumer finance companies, will continue to enjoy preferential fee standards, while individuals can still query their credit reports online for free [3][4]. - The annual cost savings for users due to the fee reductions is estimated to be around 1.1 billion yuan [2]. Group 2: Impact on Financial Institutions - Lowering credit service costs is expected to alleviate the operational cost burden on banks, thereby supporting the financing development of the real economy [3]. - The reduction in credit costs is particularly beneficial for small financial institutions, which often face higher credit costs due to the nature of their lending practices [3][4]. Group 3: Broader Economic Implications - The initiative to lower credit service fees is part of a broader strategy to reduce overall financing costs in society, especially in the context of increasing pressure on bank interest margins [4]. - The People's Bank of China has made significant progress in building a comprehensive credit information system, which is crucial for matching financial resources with real demand [4]. Group 4: Considerations and Recommendations - There are concerns regarding potential over-querying of user information due to the lower costs, highlighting the need for financial institutions to respect consumer rights [5]. - Recommendations include optimizing the credit environment and providing consumer finance companies with equal access to public data, which could enhance their operational capabilities [6].