Core Points - The article discusses the recent revision of the "Enforcement Guidelines for Commercial Bank Charging Behavior" by the State Administration for Market Regulation, aimed at addressing improper charging practices in commercial banks [1] - 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 [1] - The guidelines emphasize the importance of adhering to the "Standards for Classification of Small and Medium Enterprises," ensuring banks verify enterprise classifications and inform them of any applicable fee reduction policies [1] - The revision aims to respond to enterprises' demands for standardized bank charges and reduced financing costs, contributing to a more regulated and market-oriented business environment [1] Summary by Categories Regulatory Changes - The "Enforcement Guidelines" have been updated to include specific prohibitions against various improper charging practices by commercial banks [1] - New prohibitions include the fabrication of syndicate loan fees and charging commitment fees alongside loan interest [1] Impact on Enterprises - Commercial banks are required to verify the classification of enterprises and inform them about any applicable fee reduction policies [1] - If a business disputes a charge that was not reduced, banks must provide proof that the business does not qualify as a small or micro enterprise [1] Overall Objectives - The revision of the guidelines aims to lower financing costs for enterprises and enhance the regulatory framework governing bank charging practices [1] - The initiative is part of a broader effort to create a market-oriented, law-based, and international business environment that supports the development of the real economy [1]

Core Viewpoint - The revision of the "Enforcement Guidelines for Commercial Bank Charging Behavior" aims to address the concerns of enterprises regarding the regulation of bank fees and the reduction of financing costs, thereby fostering a market-oriented, law-based, and international business environment [1] Summary by Relevant Sections Regulatory Changes - The revised guidelines detail the identification of illegal charging behaviors related to syndicated loans, loan commitments, electronic banking, and financing advisory services [1] - New prohibitions include the fabrication of illegal charges for syndicated loans, charging commitment fees while collecting loan interest, and mandating the issuance of guarantee letters for fee collection [1] Compliance and Transparency - Commercial banks are required to strictly implement the "Standards for Classification of Small and Medium Enterprises" and actively inform enterprises about fee reduction policies [1] - In cases where fees are not waived, banks must provide proof if an enterprise does not qualify as a small or micro enterprise upon request [1] Impact on Business Environment - The revision is expected to effectively respond to enterprises' demands for standardized bank fees and lower financing costs, contributing to a more regulated enforcement of banking practices [1] - The guidelines aim to enhance the financial services supporting the development of the real economy [1]

Core Viewpoint - The Market Regulation Administration has revised and issued the "Enforcement Guidelines for Commercial Bank Charging Behavior," aiming to address illegal charging practices in commercial banks and reduce financing costs for enterprises [1]. Group 1: Regulatory Changes - The revised guidelines detail the identification of illegal charging behaviors related to syndicated loans, loan commitments, electronic banking, and financing advisory services [1]. - New prohibitions include the fabrication of illegal charges for syndicated loans, charging commitment fees while collecting loan interest, and mandatory issuance of guarantee letters for fee collection [1]. Group 2: Compliance and Transparency - Commercial banks are required to strictly implement the "Standards for Classification of Small and Medium Enterprises" and verify enterprise classifications diligently [1]. - Banks must proactively inform enterprises about fee reduction and exemption policies, and provide proof if an enterprise is not classified as a small or micro enterprise when there are disputes over unexempted charges [1]. Group 3: Impact on Business Environment - The revision of the guidelines effectively responds to enterprises' demands for standardized bank charges and lower financing costs [1]. - It aims to further regulate enforcement actions, create a market-oriented, law-based, and international first-class business environment, and support the development of financial services for the real economy [1].