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 in various banking services, emphasizing compliance and customer service [1] Group 1: Prohibited Charging Behaviors - The guidelines specify that commercial banks must not fabricate charges related to syndicate loans, charge commitment fees while collecting loan interest, or force clients to obtain guarantee letters for additional fees [1] - Banks are required to adhere to principles of legality, compliance, equality, voluntary participation, separation of interest and fees, and matching quality with price in their charging practices [1] Group 2: Compliance and Customer Service - Commercial banks must strictly implement the "Standards for Classifying Small and Medium Enterprises," verify enterprise classifications, and proactively inform clients about fee reduction policies [1] - In cases where fees are not waived and enterprises have objections, banks must provide proof that the enterprise does not qualify as a small or micro enterprise [1] Group 3: Regulatory Oversight - Market regulatory departments are encouraged to develop new measures in response to emerging situations and issues, ensuring that banks consider customer needs and business capabilities when setting fees [1] - The guidelines promote substantial service provision to clients and emphasize the importance of internal regulation of branch charging behaviors to ensure compliance [1]

Core Viewpoint - The revised "Enforcement Guidelines for Commercial Bank Charging Behavior" by the State Administration for Market Regulation aims to address and regulate improper charging practices by commercial banks, particularly in areas such as syndicate loans, loan commitments, electronic banking, and financial advisory services, thereby reducing financing costs for enterprises and enhancing the business environment [2][4]. Summary by Sections Section 1: Guidelines Purpose - The guidelines are formulated based on various laws and regulations, including the Price Law and the Regulations on Administrative Penalties for Price Violations, to optimize the business environment and alleviate financing difficulties [4]. Section 2: Definition of Charges - Charges refer to fees collected by commercial banks for services provided, which may occur before, during, or after the service period [5]. Section 3: Enforcement Responsibilities - Market regulatory authorities at or above the county level are responsible for enforcing these guidelines and ensuring compliance by commercial banks [7][8]. Section 4: Compliance and Internal Management - Commercial banks must adhere to government pricing guidelines and ensure that their charging practices are transparent and aligned with actual service content [10][12]. Section 5: Prohibited Charging Practices - Specific prohibited practices include fictitious syndicate loan charges, charging commitment fees while collecting loan interest, and mandatory issuance of guarantees for fees [2][12]. Section 6: Customer Treatment - Commercial banks are required to treat private enterprises equally in their charging practices and must clearly display service items, content, and fees in their business premises [15][17]. Section 7: Service Quality and Transparency - Banks must provide substantial services corresponding to the fees charged and ensure that any discounts or promotional measures are communicated effectively to customers [16][17]. Section 8: Violations and Penalties - The guidelines outline various scenarios that constitute violations, including unauthorized charges exceeding government-set prices and failure to provide agreed-upon services [18][20]. Section 9: Internal Management and Improvement - Banks are encouraged to improve internal management practices to prevent violations, including clear service agreements and maintaining comprehensive service records [26][27]. Section 10: Implementation Date - The guidelines are effective immediately upon issuance [30].