Legal basis: Notice of China Banking Regulatory Commission on Further Implementing the Financial Services Supervision Policy for Small and Micro Enterprises. Strictly implement the "two prohibitions and two restrictions" and standardize service charges: we must conscientiously implement the Measures for the Administration of Service Prices of Commercial Banks and various regulatory policies for financial service charges of small and micro enterprises. Implement the requirements of "two prohibitions and two restrictions", that is, except for syndicated loans, commitment fees and fund management fees shall not be charged for small and micro enterprise loans, and financial consulting fees and consulting fees shall be strictly restricted for small and micro enterprises and their credit enhancement institutions. We should pay close attention to cleaning up all kinds of financing "channel" business and reduce cross-bridge financing behavior. For customers who have been granted credit, the loan shall be paid in full according to the amount agreed in the actual payment contract. It is strictly forbidden to attach unreasonable conditions when issuing loans. It is strictly forbidden to increase the financing cost of small and micro enterprises in disguise by deducting loans and repaying loans or bundling wealth management products.