新版《商业银行收费行为执法指南》印发，这些行为明令禁止

Core Points - The article discusses the recent revision of the "Enforcement Guidelines for Commercial Bank Charging Behavior" by the State Administration for Market Regulation, aimed at addressing improper charging practices in commercial banks [1] - The revised guidelines detail prohibited charging behaviors, including the fabrication of syndicate loan fees, charging commitment fees while collecting loan interest, and mandatory issuance of guarantee letters for fees [1] - The guidelines emphasize the importance of adhering to the "Standards for Classification of Small and Medium Enterprises," ensuring banks verify enterprise classifications and inform them of any applicable fee reduction policies [1] - The revision aims to respond to enterprises' demands for standardized bank charges and reduced financing costs, contributing to a more regulated and market-oriented business environment [1] Summary by Categories Regulatory Changes - The "Enforcement Guidelines" have been updated to include specific prohibitions against various improper charging practices by commercial banks [1] - New prohibitions include the fabrication of syndicate loan fees and charging commitment fees alongside loan interest [1] Impact on Enterprises - Commercial banks are required to verify the classification of enterprises and inform them about any applicable fee reduction policies [1] - If a business disputes a charge that was not reduced, banks must provide proof that the business does not qualify as a small or micro enterprise [1] Overall Objectives - The revision of the guidelines aims to lower financing costs for enterprises and enhance the regulatory framework governing bank charging practices [1] - The initiative is part of a broader effort to create a market-oriented, law-based, and international business environment that supports the development of the real economy [1]