银行收费被划定红线: 拆隐形关卡降融资负担,虚增中收行为将减少

36氪
Dec 02, 2025

“融资难、融资贵”一直是制约企业尤其是中小微企业发展的瓶颈,而隐藏在贷款流程中的各类违规收费,更是横亘在企业融资路上的隐形关卡。日前,市场监管总局修订发布的《商业银行收费行为执法指南》,细化并新增了多项对商业银行收费行为的禁止性规定,涉及银团贷款、贷款承诺、电子银行、融资顾问等方面,包括不得虚构银团贷款收费、不得在收息后另收承诺费、不得强制开具保函收取手续费等。业内人士认为,指南压实了银行主体责任...

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