银行业经营“七不准”和“四公开”公告.doc

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1、银行业经营“七不准”和“四公开”公告银行业经营“七不准”和“四公开”公告银行业经营“七不准”和“四公开”公告尊敬的客户：按中国银监会要求，现将银行业金融机构信贷业务“七不准”与服务收费“四公开”有关规定公告如下：一、信贷业务“七不准”（一）不准以贷转存。银行信贷业务要坚持实贷实付和受托支付原则，将贷款资金足额直接支付给借款人的交易对手，不得强制设定条款或协商约定将部分贷款转为存款。（二）不准存贷挂钩。银行业金融机构贷款业务和存款业务应严格分离，不得以存款作为审批和发放贷款的前提条件。（三）不准以贷收费。银行业金融机构不得借发放贷款或以其他方式提供融资之机，要求客户接受不合理中间业务或其他金融服

2、务而收取费用。（四）不准浮利分费。银行业金融机构要遵循利费分离原则，严格区分收息和收费业务，不得将利息分解为费用收取，严禁变相提高利率。（五）不准借贷搭售。银行业金融机构不得在发放贷款或以其他方式提供融资时强制捆绑、搭售理财、保险、基金等金融产品。（六）不准一浮到顶。银行业金融机构的贷款定价应充分反映资金成本、风险成本和管理成本，不得笼统将贷款利率上浮至最高限额。（七）不准转嫁成本。银行业金融机构应依法承担贷款业务及其他服务中产生的尽职调查、押品评估等相关成本，不得将经营成本以费用形式转嫁给客户。二、服务收费“四公开”收费项目公开，服务质价公开，效用功能公开，优惠政策公开。以上内容敬告广大客户

3、。服务咨询、监督投诉电话：关农村合作银行 结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一件事，为美好的明天而努力！169m94,5xr1j6q,3bvtd40jllb2a,900oapnbcrcf.dc8acb190hnueichy9.duvxh0z,ntr59i0b71z.pj7sbph,v8ckn40buojacl85fyzlg.8h1ty8u8dpkthau78c6bv38zxnultu5bykl0otxc77t5aglk0wwbsc6f9zesymziryc6suh936uwhrb0lbzyn.l6r,78ramc1hua1rwij52,ond8wn0d

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