国家金融监督管理总局有关司局负责人就《关于加强商业银行互联网助贷业务管理提升金融服务质效的通知》答记者问(3)
<P style="BOX-SIZING: border-box; TEXT-ALIGN: left; PADDING-BOTTOM: 0px; LINE-HEIGHT: 30pt; WIDOWS: 2; TEXT-TRANSFORM: none; BACKGROUND-COLOR: rgb(254,254,254); LIST-STYLE-TYPE: none; FONT-STYLE: normal; TEXT-INDENT: 30pt; MARGIN: 0pt; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: Calibri; WHITE-SPACE: pre-wrap; ORPHANS: 2; LETTER-SPACING: normal; COLOR: rgb(51,51,51); FONT-SIZE: 14px; FONT-WEIGHT: 400; WORD-SPACING: 0px; PADDING-TOP: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-size-adjust: none" class=MsoNormal><FONT style="BOX-SIZING: border-box" face=黑体>四、在规范互联网助贷业务定价机制方面，《通知》对商业银行提出哪些要求？</SPAN><o:p style="BOX-SIZING: border-box"></o:p></SPAN></P>
<P style="BOX-SIZING: border-box; TEXT-ALIGN: left; PADDING-BOTTOM: 0px; LINE-HEIGHT: 30pt; WIDOWS: 2; TEXT-TRANSFORM: none; BACKGROUND-COLOR: rgb(254,254,254); LIST-STYLE-TYPE: none; FONT-STYLE: normal; TEXT-INDENT: 30pt; MARGIN: 0pt; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: Calibri; WHITE-SPACE: pre-wrap; ORPHANS: 2; LETTER-SPACING: normal; COLOR: rgb(51,51,51); FONT-SIZE: 14px; FONT-WEIGHT: 400; WORD-SPACING: 0px; PADDING-TOP: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-size-adjust: none" class=MsoNormal>部分增信服务机构在为互联网助贷业务提供增信服务时，存在增信服务费收取不规范问题，造成部分业务综合融资成本较高。针对该问题，《通知》规定，商业银行应当将增信服务机构向借款人收取的增信服务费计入综合融资成本，明确综合融资成本区间，明确增信服务机构不得以咨询费、顾问费等形式变相提高增信服务费率。要求商业银行开展差异化的风险定价，推动贷款利率、增信服务费率与业务风险情况相匹配。</SPAN><o:p style="BOX-SIZING: border-box"></o:p></SPAN></P>
<P style="BOX-SIZING: border-box; TEXT-ALIGN: left; PADDING-BOTTOM: 0px; LINE-HEIGHT: 30pt; WIDOWS: 2; TEXT-TRANSFORM: none; BACKGROUND-COLOR: rgb(254,254,254); LIST-STYLE-TYPE: none; FONT-STYLE: normal; TEXT-INDENT: 30pt; MARGIN: 0pt; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: Calibri; WHITE-SPACE: pre-wrap; ORPHANS: 2; LETTER-SPACING: normal; COLOR: rgb(51,51,51); FONT-SIZE: 14px; FONT-WEIGHT: 400; WORD-SPACING: 0px; PADDING-TOP: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-size-adjust: none" class=MsoNormal><FONT style="BOX-SIZING: border-box" face=黑体>五、在加强金融消费者权益保护方面，商业银行应当履行哪些义务？</SPAN><o:p style="BOX-SIZING: border-box"></o:p></SPAN></P>
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