最高法：依法规范金融机构中止发放贷款、提前收回贷款等行为

Group 1 - The Supreme People's Court emphasizes the importance of protecting the legitimate rights and interests of private enterprises through typical civil and commercial cases, covering various aspects such as financing environment optimization and corporate reputation protection [1] - Resolving financing issues is fundamental for ensuring the survival and development of private enterprises, which is crucial for stimulating innovation in the private economy [1] - The court has mandated financial institutions to optimize inclusive financial services and regulate their practices regarding interest and fees, ensuring compliance with national financial regulatory policies [1] Group 2 - In a case involving a bank and a real estate development company, the court ruled that the bank's collection of a 10 million yuan "financing commitment fee" without providing corresponding services violated transparency principles, leading to a reduction in the borrower's financing costs [2] - Another case highlighted that a two-day delay in interest payment by a borrower was deemed a minor breach, and the bank's demand for early loan repayment was rejected, reinforcing principles of good faith and fairness [2] Group 3 - Corporate restructuring is essential for optimizing market resource allocation and promoting enterprise transformation, but it often leads to disputes over unclear debt and asset transfers [3] - The court has balanced the interests of all parties while adhering to legal principles, as seen in a case where it clarified debt relationships during a corporate restructuring, relieving a private enterprise from excessive debt burdens [3] Group 4 - The court aims to maintain a clear separation of property and responsibilities between shareholders and companies, which is vital for stabilizing expectations and confidence among private enterprises and entrepreneurs [4] - It enforces the principle of independent corporate property and holds controlling shareholders accountable for any misuse of power, while also protecting the rights of honest investors [4] - In a case involving an investment company, the court ruled that shareholders who fulfilled their investment obligations are protected under the limited liability system, encouraging more private entrepreneurs to invest and develop their businesses [4]