To rectify illegal charges involving enterprises, we must improve the long -term mechanism

At present, the country is focusing on the special rectification operation of illegal charges involving enterprises. The financial field is the focus of this operation and one of the areas with strong and prominent problems. According to the deployment of the regulatory authorities, it will focus on the rectification of commercial banks that have not disclosed the service price information, only the charge or less service, and the national preferential policies.

The purpose of rectifying the illegal charges of enterprises in the financial field is to reduce the burden on market entities, optimize the business environment, and stabilize the economic market. At present, affected by the super -expected factors such as the complicated and severe international environment and the domestic epidemic impact, many market entities are facing great difficulties, especially small and medium -sized enterprises, individual industrial and commercial households. To this end, the Party Central Committee and the State Council have introduced a series of tax reductions and fees, and applied fertilizer to root through the most direct way. Next, we must ensure that the policy is effective and effective, and resolutely investigate and deal with charges, fines, and dispatches to help market entities restore development.

But to see, compared with previously, the problem of illegal charges involving enterprises is more hidden. Individual commercial banks will work on "compliance": at first glance, all charges meet policy requirements, but if you investigate it, it is hidden. For example, only charges or services; pass the fees that should have been borne by the bank to enterprises, such as evaluation fees, service fees, certification fees, etc.; Loans for compulsory binding financial products. ; Banks do not act, "cut corners" when implementing internal reduction policies.

The main reason for the difficulty of illegal charges involving enterprises is that there are market status asymmetric and information asymmetric in the existence of market status between banks and small and medium -sized enterprises. For example, in the face of the overlord clauses that "only charge or serve or serve", large enterprises usually have the right to choose from three companies, so it is easier to avoid "charging". In addition, in order to attract large customers, some commercial banks, some commercial banks It will also take the initiative to reduce a certain fee for large enterprises. In contrast, small and medium -sized enterprises, especially small and micro enterprises and individual industrial and commercial households, lack the confidence of saying "no". For many small and micro business owners, it is not easy to obtain loans. They even cooperate with banks to pay a certain "non -substantial service" fee. Although this will increase its comprehensive financing costs, it will always be better than nothing than Money can be loaned.

Obligation of enterprises and illegal fees endanger the foundation of the market subject. At present, we must focus on the manufacturing and service industry. The former is related to the national and family lives, and the latter is greatly affected by the epidemic. Although the manufacturing procurement manager index PMI fell 1.2 percentage points to 49.0%in July, and fell to below the critical point again, the expected index of production and operation activities was located in the expansion range, and enterprises still have confidence in the future. Next, the special rectification operation must adhere to the problem -oriented orientation, increase the efforts of investigation, severely crack down on illegal charges involving enterprises, and do not implement the national fee reduction policy policy, in order to investigate and promote and reform , Protect and stimulate the vitality of the market.

To rectify illegal charges involving enterprises, we must continue to work hard and make long -term regulatory mechanisms. In particular, we must prevent the special rectification operations from being "strict and chaotic". To this end, the next three aspects can be made, and the first is to give full play to the role of social supervision. Increase policy propaganda to allow more market subjects to understand policies and strengthen their awareness and ability to protect rights; second, to form a high -pressure situation on illegal fees. Maintain the persistence and effectiveness of strict inspection and strict management, so that the charging subject dare not and cannot charge the fees in violation of regulations; the third is to focus on coordinated governance, take self -inspection and inspection and inspection of sub -regions, and make comprehensive remediation遁. (Source of this article: Economic Daily Author: Guo Ziyuan)

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