中银保监启动乱收费清理行动 严打银行保险业乱象
据《上海证券报》获悉,为规范市场秩序,降低企业负担,中国银保监会将全面展开清理银行机构乱收费行动,进一步督促银行加强收费管控,规范银行与保险公司和第三方机构合作行为,遏制各种形式的不合理和违规收费行为。
此次检查重点包括2019年以来开展的违规涉企收费检查和小微企业融资收费检查发现问题的整改情况、2020年以来新发生的违规问题。重点覆盖制造业、服务业以及中小微企业信贷领域。以涉企信贷融资收费为主,兼顾其他服务收费。深入检查不合理和违规收费增加企业负担情况。
涉及银行机构的清理内容覆盖信贷、助贷、考核、收费管理等四个环节。在信贷环节,严打「设置不合理的贷款条件」等乱象。例如要求客户将一定比例的信贷资金转为存款,将授信额度转为银行承兑汇票,强制以银行承兑汇票等非现金形式替代信贷资金。除存单质押贷款、保证金类业务外,将客户预存一定数额或比例的存款作为信贷申请获得批准的前提条件等。
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