Core Viewpoint - The revised guidelines from the State Administration for Market Regulation aim to enhance transparency and fairness in commercial bank charging practices, particularly benefiting small and micro enterprises by reducing their financing burdens [1][4]. Summary by Sections Prohibition of Irregular Charges - The guidelines explicitly prohibit various irregular charges, including fictitious syndicate loan fees and charging commitment fees after interest collection [2][3]. - Specific fees related to syndicate loans are categorized into four types: 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 adherence to regulations rather than merely avoiding violations [4]. - Banks must verify the classification of small and micro enterprises to ensure the implementation of fee reduction policies, providing evidence for any charges not exempted [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 irregular charges [5]. - The principle of "separation of interest and fees" is emphasized, prohibiting banks from inflating intermediary business income through disguised fees [5].