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中銀保監啟動亂收費清理行動 嚴打銀行保險業亂象
阿思達克 10-22 10:03
據《上海證券報》獲悉,為規範市場秩序,降低企業負擔,中國銀保監會將全面展開清理銀行機構亂收費行動,進一步督促銀行加強收費管控,規範銀行與保險公司和第三方機構合作行為,遏制各種形式的不合理和違規收費行為。

此次檢查重點包括2019年以來開展的違規涉企收費檢查和小微企業融資收費檢查發現問題的整改情況、2020年以來新發生的違規問題。重點覆蓋製造業、服務業以及中小微企業信貸領域。以涉企信貸融資收費為主,兼顧其他服務收費。深入檢查不合理和違規收費增加企業負擔情況。

涉及銀行機構的清理內容覆蓋信貸、助貸、考核、收費管理等四個環節。在信貸環節,嚴打「設置不合理的貸款條件」等亂象。例如要求客戶將一定比例的信貸資金轉為存款,將授信額度轉為銀行承兌匯票,強制以銀行承兌匯票等非現金形式替代信貸資金。除存單質押貸款、保證金類業務外,將客戶預存一定數額或比例的存款作為信貸申請獲得批准的前提條件等。

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