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First, if it is a simple direct loan from a bank, there is no service charge; But from a legal point of view, the loan agency fee is legal. The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard. The income of the microfinance company, that is, the cost of your loan, is mainly reflected in the interest rate level, and the service fee can be ignored. The legal basis is Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises: The state encourages all kinds of social intermediary agencies to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard. It is illegal to charge a service fee for a loan. Under normal circumstances, there is no need to charge a service fee for loans. If the other party asks for a service charge, it should be distinguished. When you don't know whether the loan service fee is illegal, you can find a good lawyer to help you safeguard your rights and interests.
Second, the service charge is also called "service price" or "service charge". The so-called "service industry" refers to an industry that has certain places, equipment and tools to provide labor services to the society. Service industry usually has two concepts: in a narrow sense, it only refers to the aspect of serving life and emphasizing physical strength, and in a broad sense, it refers to industries engaged in various intangible productive labor, including intellectual services and physical services, as well as production services and life services.
Three. The scope of service fee, like the concept of service industry, is divided into narrow sense and broad sense: the narrow sense of service fee only includes the prices of hotels, baths, haircuts, dyeing, photography and various repair services, and generally consists of service costs, corporate profits and taxes; The broad scope of service fees should also include attorney fees, CPA fees, technical or management consulting fees, etc. , the charging standard is generally formulated by the competent departments and supervise the implementation. Service fees shall be formulated in accordance with the principle of high quality and good price and graded pricing, and shall be supervised and implemented by the administrative department for industry and commerce.