According to the principle of paid agency, the handling bank must charge the client or borrower a handling fee when handling the entrusted loan business. The collection of handling fees is not affected by whether the principal and interest of the personal entrusted loan are returned or returned in advance. According to the complexity of entrusted loan procedures, loan amount and responsibility, the handling fee rate is charged at one time when the entrusted loan is issued annually within the range of 1 ‰ ~ 30 ‰ of the entrusted loan amount, and it is charged annually for less than one year. The authorized approver of the branch approves the commission rate of entrusted loans according to the authorization. When the entrusted loan is extended, a handling fee should also be charged, and a one-time charging method should be implemented in advance. The extension fee is charged according to a certain proportion of the amount of the extended entrusted loan every year, and the extension fee rate is not lower than the original fee rate of the entrusted loan. After entrusting loans overdue, if the overdue time is less than one month, the handling fee will be waived. If the overdue time exceeds one month, a one-time handling fee will be charged according to 65438+ 0.5 times of the original rate (not exceeding the standard of annual interest rate of 30‰).