At present, the banking industry has a high degree of marketization, and the 20% increase in corporate financing costs is entirely the result of market competition. You can only see that the price of overseas financing is low, so the cost of overseas capital is still low. Therefore, the rising cost of corporate loans is caused by the high cost of capital and has nothing to do with arbitrary charges. In the famine years, even the price of steamed bread rose, not to mention loans! The CBRC has made "seven prohibitions", requiring banks not to charge consulting fees from enterprises by issuing loans or asking for deposits from enterprises. Let me evaluate this practice. Regulators use their arrogance to disrupt market order. Every time we come down for inspection, enterprises and banks must collude to coax the children of the CBRC and tell them that we have not violated the rules, and the fees are voluntary, which wastes people and money and wastes time. This is all superficial. This system will make banks feel that SMEs are unprofitable, but they are unwilling to support the development of SMEs, making it more difficult for SMEs to obtain financing. This result runs counter to the original intention of regulators.