明令禁止！这些属于商业银行违规收费行为

Core Viewpoint - The State Administration for Market Regulation has revised and issued the "Enforcement Guidelines for Commercial Bank Charging Behavior," which detail prohibited charging behaviors and emphasize compliance with regulations in banking fees [1][2]. Summary by Sections Prohibited Charging Behaviors - The guidelines specify that commercial banks must not fabricate syndicate loan fees, charge commitment fees while collecting loan interest, or force clients to obtain guarantees for fees [1]. - Banks are required to adhere to the "Standards for Classification of Small and Medium Enterprises" and inform clients about fee reduction policies [1]. Principles of Charging Behavior - Commercial banks must follow four principles: legality and compliance, equality and voluntariness, separation of interest and fees, and price matching quality [2][3]. Pricing Transparency - Banks must strictly implement clear pricing regulations, displaying service items, content, fee standards, applicable objects, effective dates, and complaint methods prominently [4]. - New or increased market-adjusted pricing must be publicly announced three months in advance [4]. Implementation of Discounts - Banks are required to actively inform clients about existing discount measures and notify them before the expiration of these measures [5]. - For fees related to small and medium enterprises, banks must verify classifications and ensure the implementation of reduction policies [5]. Definition of Violations - The guidelines outline specific behaviors that constitute violations for both government-guided and market-adjusted pricing, including exceeding price limits and unauthorized fee structures [6][7]. Unreasonable Fees - Fees charged for syndicate loans that do not meet the defined characteristics or for commitment fees after funds have been disbursed are deemed unreasonable [8]. - Charges for electronic banking services that are not needed by the client or for AI and big data services without actual demand are also classified as unreasonable [9].