市场监管总局印发指南 这些商业银行收费被明令禁止

Core Viewpoint - The Market Regulation Administration has revised and issued the "Enforcement Guidelines for Commercial Bank Charging Behavior," aiming to address illegal charging practices in commercial banks and reduce financing costs for enterprises [1]. Group 1: Regulatory Changes - The revised guidelines detail the identification of illegal charging behaviors related to syndicated loans, loan commitments, electronic banking, and financing advisory services [1]. - New prohibitions include the fabrication of illegal charges for syndicated loans, charging commitment fees while collecting loan interest, and mandatory issuance of guarantee letters for fee collection [1]. Group 2: Compliance and Transparency - Commercial banks are required to strictly implement the "Standards for Classification of Small and Medium Enterprises" and verify enterprise classifications diligently [1]. - Banks must proactively inform enterprises about fee reduction and exemption policies, and provide proof if an enterprise is not classified as a small or micro enterprise when there are disputes over unexempted charges [1]. Group 3: Impact on Business Environment - The revision of the guidelines effectively responds to enterprises' demands for standardized bank charges and lower financing costs [1]. - It aims to further regulate enforcement actions, create a market-oriented, law-based, and international first-class business environment, and support the development of financial services for the real economy [1].