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What measures do banks have to reduce fees and make profits?

Legal analysis: The fee reduction measures focus on small and micro enterprises and individual industrial and commercial households, while benefiting other market entities and financial consumers, taking into account fee reduction and profit-making and sustainable development of the industry. The main body of fee reduction involves commercial banks, payment institutions and clearing institutions. According to preliminary estimates, after all the fee reduction measures are implemented, it is estimated that the annual expenses will be reduced by about 24 billion yuan for market players and the public, of which more than 654.38+0.6 billion yuan will be benefited for small and micro enterprises and individual industrial and commercial households, which will help reduce the cost of capital circulation, further optimize the business environment, promote the upgrading and expansion of consumption, and play an active role in helping the high-quality development of the national economy. The fee reduction measures focus on small and micro enterprises and individual industrial and commercial households, and at the same time benefit other market entities and financial consumers, taking into account fee reduction and profit-making and sustainable development of the industry. The main body of fee reduction involves commercial banks, payment institutions and clearing institutions. According to preliminary estimates, after all the fee reduction measures are implemented, it is estimated that the annual expenses will be reduced by about 24 billion yuan for market players and the public, of which more than 654.38+0.6 billion yuan will be benefited for small and micro enterprises and individual industrial and commercial households, which will help reduce the cost of capital circulation, further optimize the business environment, promote the upgrading and expansion of consumption, and play an active role in helping the high-quality development of the national economy.

Legal basis: Article 84 of the Law of People's Republic of China (PRC) Commercial Bank, if a staff member of a commercial bank takes advantage of his position, asks for or accepts bribes or accepts kickbacks or service fees in various names, which constitutes a crime, he shall be investigated for criminal responsibility according to law; If it does not constitute a crime, it shall be given disciplinary sanctions. Whoever commits the acts mentioned in the preceding paragraph, issues loans or provides guarantees, thus causing losses, shall bear all or part of the liability for compensation.

Article 84 If a staff member of a commercial bank takes advantage of his position to ask for or accept bribes, or accepts kickbacks or service fees in various names in violation of state regulations, which constitutes a crime, he shall be investigated for criminal responsibility according to law; If it does not constitute a crime, it shall be given disciplinary sanctions. Whoever commits the acts mentioned in the preceding paragraph, issues loans or provides guarantees, thus causing losses, shall bear all or part of the liability for compensation.

Article 84 If a staff member of a commercial bank takes advantage of his position to ask for or accept bribes, or accepts kickbacks or service fees in various names in violation of state regulations, which constitutes a crime, he shall be investigated for criminal responsibility according to law; If it does not constitute a crime, it shall be given disciplinary sanctions. Whoever commits the acts mentioned in the preceding paragraph, issues loans or provides guarantees, thus causing losses, shall bear all or part of the liability for compensation.