银行收费被划定红线：拆隐形关卡降融资负担

Core Viewpoint - The revised "Guidelines for Enforcement of Commercial Bank Charging Behavior" by the State Administration for Market Regulation aims to enhance transparency and fairness in bank charges, particularly benefiting small and micro enterprises by reducing their financing burdens [1][4]. Summary by Sections Prohibition of Irregular Charges - The guidelines explicitly prohibit fictitious syndicate loan charges and other unreasonable fees, such as charging commitment fees after interest has been collected [2][3]. - Specific fee categories for syndicate loans include arrangement fees, commitment fees, agency fees, and participation fees, all of which must adhere to agreed standards [2]. Strengthening Bank Responsibility - The guidelines impose stricter compliance responsibilities on banks, requiring them to prove their compliance with regulations, thereby reducing hidden charges and cost-shifting behaviors [4]. - Banks must verify the classification of small enterprises to ensure the implementation of fee reduction policies [4]. Improvement of Financial Services - The guidelines establish a dual regulatory system combining punitive measures and positive incentives, differentiating penalties based on banks' responsiveness to rectify violations [5]. - The principle of "separation of interest and fees" is emphasized, prohibiting banks from inflating intermediary business income through disguised fees [5].