Jing Ji Guan Cha Wang·2025-11-28 08:47Core Viewpoint - The State Administration for Market Regulation has revised and issued the "Enforcement Guidelines for Commercial Bank Charging Behavior," which detail prohibited charging behaviors in various banking services, emphasizing compliance and customer service [1] Group 1: Prohibited Charging Behaviors - The guidelines specify that commercial banks must not fabricate charges related to syndicate loans, charge commitment fees while collecting loan interest, or force clients to obtain guarantee letters for additional fees [1] - Banks are required to adhere to principles of legality, compliance, equality, voluntary participation, separation of interest and fees, and matching quality with price in their charging practices [1] Group 2: Compliance and Customer Service - Commercial banks must strictly implement the "Standards for Classifying Small and Medium Enterprises," verify enterprise classifications, and proactively inform clients about fee reduction policies [1] - In cases where fees are not waived and enterprises have objections, banks must provide proof that the enterprise does not qualify as a small or micro enterprise [1] Group 3: Regulatory Oversight - Market regulatory departments are encouraged to develop new measures in response to emerging situations and issues, ensuring that banks consider customer needs and business capabilities when setting fees [1] - The guidelines promote substantial service provision to clients and emphasize the importance of internal regulation of branch charging behaviors to ensure compliance [1]