Shang Hai Zheng Quan Bao·2025-11-28 13:29Core Viewpoint - The revised "Guidelines for Enforcement of Charging Behavior of Commercial Banks" by the State Administration for Market Regulation aims to enhance transparency and fairness in bank fees, particularly benefiting small and medium-sized enterprises by reducing their financing burdens [1] Group 1: Regulatory Changes - The guidelines detail prohibited charging behaviors, including the fabrication of syndicate loan fees, charging commitment fees while collecting loan interest, and mandating the issuance of guarantees for fee collection [1] - The guidelines are a response to recent regulatory enforcement practices, aiming to clarify standards for identifying violations in various banking services [1] Group 2: Impact on Financial Services - The guidelines strengthen institutional safeguards for financial services to the real economy, ensuring banks are held accountable for their charging practices [1] - By curbing hidden fees and cost-shifting behaviors, the guidelines are expected to improve fee transparency and fairness in the banking sector [1] Group 3: Implications for Banks - The guidelines compel banks to enhance service quality and optimize internal assessment mechanisms while regulating their charging practices [1] - This regulatory shift is anticipated to foster a more favorable business environment, particularly for small and medium-sized enterprises [1]