Xinhua Times Review: "Give a hand" and don't "wipe the oil"

　　Xinhua News Agency, Beijing, November 25th, report

　　Xinhua News Agency reporter Li Yanxia

　　The loan interest rate is 7.6%, and insurance premiums, service fees, and guarantee fees have been increased, and enterprises will eventually have to bear more than 22% of financing costs!

Eighty percent of the premium goes into the bank pocket, and the insurance rate is several times the normal!

Recently, the Supervision Office of the General Office of the State Council and the China Banking and Insurance Regulatory Commission notified some banks and insurance institutions and lending institutions to violate the regulations and raise the comprehensive financing costs of small and micro enterprises. The details are thought-provoking.

　　If you want to charge for it, there is nothing wrong with it!

Loan commitment fees, investment and financing consulting fees, legal person account overdraft business commitment fees, loan-to-deposit, supporting acceptance bills... Some charges are blatant, and some are secretive.

Regardless of the form, they have changed the law to squeeze the oil from the enterprise, constantly pushing up financing costs, and becoming an unbearable burden for small and micro enterprises.

　　The indiscriminate collection of charges by clever names runs counter to the policy requirements of concession to the real economy and must be rectified.

In addition to increasing penalties, making violating agencies "show their faces" and "sweat" through naming notifications can have the effect of restraining others.

　　To curb arbitrary charging behavior, banks need to change their business models.

Due to the single profit model, under the pressure of performance appraisal, banks have the urge to simply rely on fees to increase profits.

But earning profits from arbitrary fees is destined to not last long.

To achieve sustainable development, banks must work hard to enhance product innovation capabilities and enhance the value and quality of financial services.

　　To eradicate the phenomenon of arbitrary fees, we must use the hands of the market to force institutions to regulate their operations.

Under my country's current financial system, companies want to obtain development funds, in most cases they can only borrow from banks. Even if financing costs are high, it is not easy to obtain them, so they can only swallow their anger.

To eradicate the phenomenon of arbitrary fees, we must rely on market competition to break the monopoly, change the bank’s usual strong behavior, and stimulate banks to innovate in business and improve services.

　　Only a solid foundation can prosper, and a deep root can make leaves.

The separation of finance from the real economy is without roots.

Having withstood the impact of the epidemic, many companies have just recovered and need financial assistance.

Under this circumstance, those financial institutions that charge arbitrary fees should stop. They should not just use their own calculations and treat the enterprises as "the meat of the Tang monk". Win the future.