Supreme Court: Banks' practice of charging fees for loans and other hidden methods of increasing financing interest rates has not been effectively addressed

A report released by the Supreme Court pointed out that the phenomenon of banks "charging fees with loans" and other disguised methods of raising financing rates for private enterprises has not been fundamentally addressed. On February 24th, the Supreme People's Court released the Annual Report on Civil and Commercial Trials. The report shows that in 2025, the national courts accepted a total of 6.791 million first-instance civil and commercial cases, an increase of 22.0% year-on-year; concluded 6.536 million cases, an increase of 18.9% year-on-year; the settlement rate of cases was 42.33%; the appeal rate of first-instance cases was 2.88%, a decrease of 19.5% year-on-year; the rate of application for retrial was 0.46%, a decrease of 37% year-on-year; the execution rate was 38.58%, a decrease of 8.56% year-on-year. The report pointed out that from the perspective of case handling, the phenomenon of banks "charging fees with loans" and other disguised methods of raising financing rates, as well as financial institutions illegally charging other fees to market entities and increasing hidden financing costs in a disguised manner, have not been fundamentally addressed.