Generally, local banking regulatory bureaus will issue reference opinions to banks within their jurisdiction, which used to be 30%, and then gradually liberalized to 50%. However, in practice, the reference opinions of local banking regulatory bureaus are often ignored. This ratio has been repeatedly broken, and some radical regional banks even exceed 100%. There is no way to compare it with the hard regulatory indicators such as non-performing loan ratio and capital adequacy ratio, as well as the new small indicators introduced by the regulatory authorities. Although it was often ignored by regional banks in the past, it is now paid more and more attention by the regulatory authorities, so it may become a more important regulatory indicator in the future.

: Seven Prohibitions for Credit Business 1. Loan transfer is not allowed. Bank credit business should adhere to the principle of real loan and real payment, pay the loan funds directly to the borrower's counterparty in full, and may not set terms or negotiate to convert some loans into deposits. 2. No deposit-loan linkage. The loan business and deposit business of banking financial institutions should be strictly separated, and deposits should not be used as a prerequisite for approving and issuing loans. 3, are not allowed to charge by loan. Banking financial institutions shall not require customers to accept unreasonable intermediary business or other financial services and charge fees by issuing loans or providing financing in other ways. 4. No floating interest expense. Banking financial institutions should follow the principle of separation of interest and fees, strictly distinguish between interest collection and fees, and must not decompose interest into fees, and it is strictly forbidden to raise interest rates in disguise. 5. Lending and tying are not allowed. Banking financial institutions shall not bundle or tie in financial products such as wealth management, insurance and funds when granting loans or providing financing in other ways. 6. It is not allowed to float to the top. The loan pricing of banking financial institutions should fully reflect the capital cost, risk cost and management cost, and generally should not raise the loan interest rate to the highest limit. 7, are not allowed to pass on the cost. Banking financial institutions shall bear the due diligence, collateral evaluation and other related expenses arising from loan business and other services according to law, and shall not pass on the operating costs to customers in the form of expenses.

"Four publicity" for service charges 1, and "publicity of charging items" for compliance charges. Service charges should be scientific and reasonable, and follow the principles of unified pricing and catalogue management. A list of charges should be drawn up. The same charging item must use a unified charging item name, content description, customer definition and other elements, and the price should be uniformly set by the legal person institution. Branches are not allowed to set and adjust the names of charging items and other elements by themselves. Charges for government-guided prices should be charged in strict accordance with the relevant provisions, and the list of charges and related basis should be published; Fees that are subject to market-adjusted prices shall be publicized to the public before each price is set or adjusted. After fully soliciting the opinions of consumers, it will be included in the list of charging prices and published online, and the fees will be charged in strict accordance with the published list of charging prices. 2. Pricing by quality-"The service quality and price are open". Service charges shall conform to the principle of matching quality with price, and no charges shall be charged for products and services that fail to provide substantial services to customers, bring substantial benefits to customers and improve substantial efficiency for customers. 3. Openness and transparency-"public use and function". The service price should follow the principle of openness and transparency, all services should be clearly marked, and the obligation of informing should be fully fulfilled, so that customers can clearly understand the service content, methods, functions, effects and corresponding charging standards, and ensure that customers know enough information and choose independently. 4. Reduce fees and make profits-"open preferential policies". Banking financial institutions should earnestly fulfill their social responsibilities, adhere to the principle of preferential services for specific targets and making profits, clearly define the scope of preferential targets for small and micro enterprises, "agriculture, rural areas and farmers", vulnerable groups, social welfare and other related financial services, announce preferential policies, preferential methods and specific preferential quotas, and effectively reflect the business ethics of helping the small and the weak.