市场监管总局修订印发《商业银行收费行为执法指南》

Core Viewpoint - The revision of the "Enforcement Guidelines for Commercial Bank Charging Behavior" aims to address the concerns of enterprises regarding the regulation of bank fees and the reduction of financing costs, thereby fostering a market-oriented, law-based, and international business environment [1] Summary by Relevant Sections 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 mandating the issuance of guarantee letters for fee collection [1] Compliance and Transparency - Commercial banks are required to strictly implement the "Standards for Classification of Small and Medium Enterprises" and actively inform enterprises about fee reduction policies [1] - In cases where fees are not waived, banks must provide proof if an enterprise does not qualify as a small or micro enterprise upon request [1] Impact on Business Environment - The revision is expected to effectively respond to enterprises' demands for standardized bank fees and lower financing costs, contributing to a more regulated enforcement of banking practices [1] - The guidelines aim to enhance the financial services supporting the development of the real economy [1]