最高法：依法规范金融机构收费，助力破解民企融资难、融资贵

Group 1 - The Supreme People's Court emphasizes the importance of resolving financing issues for private enterprises as a foundational support for their survival and development, which is crucial for stimulating innovation in the private economy [3] - The court aims to assist private enterprises in broadening financing channels and reducing financing costs by regulating financial institutions' behaviors and ensuring compliance with national financial regulatory policies [3][4] - Two specific cases were highlighted: one involving a bank charging an unauthorized "financing commitment fee" of 10 million yuan before issuing a loan of 350 million yuan, which was deemed a violation of transparency and fairness principles [3][4] Group 2 - In another case, a bank's decision to declare a loan due after a borrower was only two days late on interest payments was rejected by the court, reinforcing the principles of good faith and fairness in financial transactions [4] - These cases collectively clarify the boundaries of financial institutions' rights, providing judicial protection to reduce financing costs for private enterprises and stabilize their operational expectations [4]