贷款时被强制买理财？监管发文整治银行这些收费套路

Core Viewpoint - The National Market Supervision Administration has revised the "Guidelines for Law Enforcement on Commercial Bank Charging Behavior" to address improper charging practices by commercial banks, particularly focusing on small and micro enterprises [2][3][7]. Summary by Sections Regulatory Changes - 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 [2][5]. - Commercial banks are required to adhere to principles of legality, equality, voluntary participation, separation of interest and fees, and price matching [2][3]. Implementation of Policies - Banks must implement existing preferential measures for small and micro enterprises, verifying their classification through various methods and ensuring the application of reduction policies [3][6]. - Instances of penalties for banks failing to comply with these measures have been noted, including a fine of 2.3 million yuan for a policy bank in October for not implementing preferential policies [3][6]. Identification of Violations - The guidelines specify conditions under which charging behaviors are deemed violations, such as exceeding government pricing limits or unauthorized fee setting [4][5]. - For market-regulated pricing, nine specific conditions are outlined that would constitute a violation, including unauthorized fees and discrepancies in service delivery [4][5]. Prohibited Practices - The guidelines emphasize the prohibition of bundled sales of financial products, where banks cannot force customers to purchase additional services or products as a condition for loans [5][6]. - Specific examples of violations include mandatory purchases of insurance or financial products during loan processing, which have led to penalties for banks this year [6][7]. Penalty Standards - The guidelines establish criteria for penalties, allowing for reduced penalties in cases of minor violations or cooperation with regulatory investigations [7]. - Conversely, severe violations, including evidence tampering or refusal to rectify issues, may result in harsher penalties [7]. Overall Impact - The revision of the guidelines aims to respond to the needs of enterprises for fair banking practices, reduce financing costs, and enhance the regulatory environment for a market-oriented economy [7].