China Industrial and Commercial Bank Beijing Shunyi Sub-branch was fined 500,000 yuan. What is the reason for the fine?

As we all know, people go to the bank with relevant information to complete the loan process, and there will be no charge. After all, after a person completes a loan in a bank, the bank will set the corresponding loan interest. Lenders need to complete the interest payment process according to the loan interest rate, which largely guarantees the legitimate rights and interests of both parties.

However, ICBC's branch in Shunyi, Beijing was fined 500,000 yuan, mainly because of the relevant staff responsible for loans. The so-called loan charge means that when people complete the loan through the bank, the other party will charge unreasonable fees.

Complete the loan according to the official process, and reduce unreasonable steps and processes. Under normal circumstances, bank staff will properly handle various problems faced by users, such as demand deposits and time deposits. We can complete the whole process according to the official loan process and deposit process, and will not encounter unreasonable charging standards and steps. When we face the unreasonable charges of bank staff, we should reflect this matter to the relevant departments. After all, most banks will never charge extra unless you need to pay the loan interest. Loan interest does not belong to the category of extra charges, but is a mutual agreement between banks and lenders.

However, the loan fees of Beijing Shunyi Sub-branch are unreasonable. It not only harms the relevant rights and interests of consumers and users, but also greatly affects banks. In addition, the relevant departments will regularly check the behavior of banks to avoid unreasonable charges by many banks.

Generally speaking, when we go to the bank to handle various businesses, the bank staff will have a fixed salary and performance expenses, and generally will not ask the users for commissions or handling fees. When a bank lacks a very good code of conduct, the various processes of the bank will be questioned by users and even affect the normal development of the bank.