商业银行收费有新规 这五类明令禁止！

Core Viewpoint - The newly revised "Enforcement Guidelines for Commercial Bank Charging Behavior" issued by the State Administration for Market Regulation aims to address and regulate illegal charging practices by commercial banks, enhancing compliance and protecting consumers [1][3]. Group 1: Prohibited Charging Behaviors - The revised guidelines introduce five categories of prohibited charging behaviors for commercial banks, including: - Fabricating syndicate loan charges - Charging loan commitment fees while collecting interest - Bundling fees for issuing guarantees - Forcing fees for online banking activation - Charging for AI advisory services without substantial service [1]. Group 2: Penalty Considerations - The guidelines specify factors for considering lighter or heavier penalties for banks that violate charging regulations, emphasizing: - Lighter penalties for banks that voluntarily refund illegal charges or mitigate harmful consequences - Heavier penalties for banks that refuse to rectify or refund illegal charges, thereby strengthening compliance guidance [1]. Group 3: Compliance and Transparency - The guidelines require commercial banks to proactively inform clients about fee reduction and exemption policies, and if fees are not exempted, banks must provide proof that the client does not qualify as a small or micro enterprise [1]. Group 4: Regulatory Actions and Impact - In recent years, the State Administration for Market Regulation has addressed numerous illegal charging practices, returning a total of 4.57 billion yuan to enterprises during the "14th Five-Year Plan" period [3]. - Future actions will include self-inspection and correction of charging behaviors by commercial banks to respond to the demands of the real economy for reduced financing costs and to implement preferential policies [3].