According to the official website of the CBRC, in order to standardize the price regulation management of the banking service market, improve the quality and efficiency of serving the real economy and improve the people's financial consumption experience, the CBRC recently issued the guiding opinions on regulating the price regulation management of the banking service market (hereinafter referred to as the Guiding Opinions), which will come into force on May 1, 2022. The guidance is based on providing principled guidance on the service price management and behavior of banks and other financial institutions, and defines the requirements in the following aspects: Main responsibility of compaction organization. The guidance requires banks and other financial institutions to implement unified centralized management of service prices, standardize service processes, optimize system control, improve assessment and incentive mechanism, strengthen authorization management and behavior control of branches, and strengthen the role of internal audit supervision. In addition, it is emphasized that banks and other financial institutions should follow the principle of appropriateness and matching in the service process, recommend appropriate services to customers, and ensure that the service price matches the actual service content. Standardize pricing requirements and calibration mechanism. The guidance specifies the conditions that different pricing methods such as proportional pricing, interval pricing, agreement pricing and pricing based on external costs should meet. Banks and other financial institutions are required to establish and improve the pricing calibration mechanism to ensure reasonable service prices by comparing homogeneous and similar projects, tracking intertemporal cost changes and evaluating the actual implementation price level. Strengthen the management of service outsourcing institutions and partners. While focusing on the services of banks and other financial institutions, the guiding opinions pay attention to the changes brought by the development of financial formats and professional division of labor, and strengthen the active management awareness of banks and other financial institutions. For financial service outsourcing, price terms are required to be listed in the outsourcing service agreement, and outsourcing service providers are prohibited from charging customers fees related to outsourcing services. For financial business cooperation, it is required to understand the service content and price standard of the cooperative institution, agree on the price information disclosure requirements in the cooperation agreement, and prohibit the cooperative institution from charging customers in the name of banks and other financial institutions. Encourage the initiative to benefit enterprises and the people. The guiding opinions encourage banks and other financial institutions to implement the policies of financial support to the real economy and fee reduction and profit transfer, actively fulfill their social responsibilities, appropriately reduce the basic banking service fees of specific groups such as the elderly and the disabled, and implement differentiated pricing and service preferences for market players such as small and micro enterprises and individual industrial and commercial households, Reasonably determine the service price of special funds in the support field, moderately reduce the charges for service items such as account management and maintenance and low-frequency and low investment, and share the achievements of banking development with enterprises and the people. Draw five regulatory red lines. The guiding opinions put forward prohibitive requirements for unfair competition, inconsistent quality and price of financing related services, too large pricing range, excessive price increase of external services, repeated charges and other acts in the field of market regulation. The cbcirc pointed out that the formal implementation of the guiding opinions will promote the banking industry to better serve the real economy and the people in the new development stage, and form a market environment with fair price competition, standardized and effective management, high-quality and transparent services and adequate protection of rights and interests. (outlook new era)