Shandong Provincial Market Supervision Administration issued a reminder on standardizing bank charges.

Reminder and warning letter on standardizing bank charging behavior

Financial institutions in the province:

In order to standardize the charging behavior of banking institutions in the province, safeguard enterprises' right to know, independent choice and fair trade, reduce the comprehensive cost of enterprise financing, and better serve the high-quality development of the real economy, according to the People's Republic of China (PRC) Price Law, the Provisions on Administrative Punishment for Price Violations and other laws and regulations, as well as the relevant provisions of the Central Committee of the Communist Party of China and the State Council on controlling arbitrary charges, we hereby remind you as follows:

First, strictly implement the price list. Banking institutions should strictly implement government-guided prices and government pricing, and reasonably determine the charging items and standards that belong to the field of market-regulated prices. The charging items and standards of market-regulated prices shall be formulated by the head office of the bank in accordance with relevant regulations. Bank branches shall strictly implement the charging items, standards, scope, objects and contents stipulated in the price list of the head office, and shall not violate the charging standards stipulated in the price list, independent charging items outside the price list, and non-implementation of preferential policies for tax reduction and exemption.

Second, do a good job in charging publicity. Banking financial institutions shall strictly implement the provisions of clearly marked prices and publicity of charges, and timely and accurately publicize service items, service contents, charging standards, applicable objects, effective dates, complaint methods, etc. In a prominent position on the official website and business premises. Fully fulfill the obligation to inform, so that customers can clearly understand the service content, mode, function, effect and corresponding charging standards, and customers can choose independently, and shall not charge unspecified fees.

Third, implement preferential tax reduction and exemption policies for small and micro enterprises. For credit financing of small and micro enterprises, it is necessary to strictly implement the "two prohibitions and two restrictions", that is, except for syndicated loans, commitment fees and fund management fees shall not be charged for loans of small and micro enterprises, and financial consulting fees and consulting fees shall be strictly restricted for small and micro enterprises and their credit enhancement institutions; It is not allowed to stipulate the liquidated damages for early repayment or late repayment in the loan contract, and cancel the overdraft commitment fee and credit certificate fee of the legal person account; If the bank is the first beneficiary of the borrower's accident insurance, the insurance expenses shall be borne by the bank; If the bank acts as the claimant of collateral property insurance, the insurance cost shall be shared by the bank and the enterprise in a reasonable proportion.

Four, shall not be passed on to the bank to bear the business expenses. The mortgage registration fee shall be borne by the bank. If the bank adopts the reimbursement system for the mortgage registration fee paid by the enterprise, a fee registration ledger shall be established, and a special person shall be responsible for follow-up. Banks shall bear the related costs such as collateral evaluation generated in loan business and other services according to law, and shall not pass on the operating costs to customers in the form of expenses. If a bank introduces external data, information or rating for the purpose of credit evaluation, the relevant expenses shall be borne by the bank independently, and the enterprise shall not be required to pay.

5. The loan shall not be attached with unreasonable conditions. Banking institutions should consciously abide by the credit management regulations and business processes, and make loan pricing in accordance with the relevant provisions of the national interest rate management. There shall be no irregular behaviors such as lending, linking deposits and loans, floating interest and fees, loan charges, tying loans, compulsory services, charging only for no services or less services. After handling the working capital loan, it is not allowed to provide financing in the form of acceptance bill against the true wishes of customers, which unreasonably increases the burden on customers.

Six, the service should be consistent with the quality and price. Banking institutions shall, according to the actual needs of customers, provide reasonably priced services in accordance with the price list, service specifications and service contents agreed with customers, and make good service records. There shall be no irregularities such as arbitrarily reducing service contents, failing to provide substantive services to customers, and failing to bring substantial benefits to customers.

Seven, do a good job in reducing the cost of payment. Banking institutions should strictly implement the requirements of the Notice on Reducing the Payment Fees of Small and Micro Enterprises and Individual Industrial and Commercial Households issued by the People's Bank of China and other four departments, cancel the check making and loss reporting fees immediately after September 30, and reduce the handling fees for RMB transfer and remittance and bank card swiping.

Banking institutions should fully understand the importance of enterprise-related charges, carry out self-examination, self-correction and rectification and standardization according to relevant national charging policies and regulations, effectively standardize credit financing charges, and reduce enterprise financing costs. Market supervision departments at all levels in our province will continue to pay close attention to the issue of bank charges. If the above-mentioned price violations are found, they will be ordered to make corrections, confiscate the illegal income and impose a fine of less than 5 times the illegal income according to the People's Republic of China (PRC) Price Law, the Provisions on Administrative Punishment of Price Violations and other laws and regulations. If there is no illegal income, give a warning and impose a fine; If the circumstances are serious, it shall be ordered to suspend business for rectification or revoke its business license.

People from all walks of life and the general public can call the hotline 12345 to report complaints if they find that there are arbitrary charges in banking institutions, and the market supervision department will handle them according to procedures to effectively safeguard the legitimate rights and interests of enterprises and individuals.