The law does not stipulate the amount of handling fees. However, the law stipulates that the interest rate agreed by both borrowers and lenders cannot exceed 24%. If the interest includes handling fees, it should be noted that the total amount of interest cannot exceed the interest amount calculated according to the legal interest rate. Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises Article 40 The State encourages all kinds of social intermediary institutions to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises.
Legal objectivity:
Interim Measures for the Administration of Working Capital Loans Article 23 The lender shall set up an independent department or post to be responsible for the issuance and payment review of working capital loans. Measures for the supervision and administration of credit card business of commercial banks Article 53 Without the cardholder's application and the opening of the card service exceeding the credit limit, the credit card shall not deduct the excess fees in any form. Cardholders can use oral (customer service telephone recording), electronic and written methods to open or cancel the card service that exceeds the credit limit. The issuing bank must provide information such as the charging form and calculation method of the over-limit fee before opening the card service for the cardholder, and clearly inform the cardholder of the right to cancel the over-limit card service. Article 60 A card-issuing bank shall provide information inquiry service, and publicize credit card products and services, instructions for use, articles of association, contracts (agreements), charging items and standards, risk warnings and other information to cardholders through bank websites, card manuals, electronic banking and other channels.