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China Huarong Asset Management Co., Ltd. and Baoshan Sub-branch of Shanghai Agricultural Commercial Bank Co., Ltd. v. Shanghai Zhifu Maocheng Real Estate, et al. (case regarding dispute over contract on loan from financial institution)

中国华融资产管理股份有限公司、***与***等金融借款合同纠纷案

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  • China Huarong Asset Management Co., Ltd. and Baoshan Sub-branch of Shanghai Agricultural Commercial Bank Co., Ltd. v. Shanghai Zhifu Maocheng Real Estate, et al. (case regarding dispute over contract on loan from financial institution)
  • 中国华融资产管理股份有限公司、***与***等金融借款合同纠纷案
  • [Judgment Abstract]
  • 【裁判摘要】 
  • Commercial banks should charge fees under the principles of compliance with laws and regulations, equality and voluntariness, separating fees from interests, and ensuring consistency between service quality and service fees. If a commercial bank issues a bundled loan by taking advantage of its dominant position, and forces its clients to sign a contract for intermediary businesses but never provides any actual service at all, such act constitutes a disguised version of taking interests in violation of the principles of equality, voluntariness and fairness, raising the financing cost of enterprises, whereupon the commercial bank should be deemed as “charging fees without providing services” under the circumstances as set forth in the Law Enforcement Guidelines for the Fee-charging Activities of Commercial Banks.
  • 商业银行收取中间费用应当遵循依法合规、平等自愿、息费分离、质价相符的原则。商业银行利用其优势地位捆绑贷款强制客户订立中间业务合同而未提供实质性服务的,属变相收取利息,背离了民法平等、自愿、公平原则,增加了企业融资成本,属于《商业银行收费行为执法指南》规定的“只收费不服务”情形。
  • Full-text omitted.
  • 最高人民法院
  • 民 事 判 决 书

    (2019)最高法民终78号

  • 上诉人(原审被告):***,住所地:上海市普陀区柳园路556号5幢1层1869室。  
  • 法定代表人:唐冠,该公司执行董事。  
  • 委托诉讼代理人:王欣,公司员工。  
  • 被上诉人(原审原告):***,住所地:中国(上海)自由贸易试验区业盛路188号A-522室。 
  • 负责人:高博,该公司总经理。  
  • 委托诉讼代理人:张春福,上海市锦天城律师事务所律师。  
  • 委托诉讼代理人:杨斌,上海市锦天城律师事务所律师。  
  • 被上诉人(原审原告):***,住所地:上海市宝山区牡丹江路1198号。  
  • 负责人:杨兴华,该支行行长。  
  • 委托诉讼代理人:周琦,该行员工。  
  • 委托诉讼代理人:沈军,该行员工。  
  • 原审被告:智富企业发展(集团)有限公司,住所地:上海市普陀区柳园路556号5幢一层1917室。  
  • 法定代表人:严宝明,该公司执行董事。  
  • 原审被告:***,男,1962年1月16日出生,汉族,住上海市长宁区。  
  • 原审被告:***,女,1965年9月8日出生,汉族,住上海市长宁区。  
  • 上诉人***(以下简称智富茂城)因与被上诉人***(以下简称华融资产)、***(以下简称农商行)、原审被告智富企业发展(集团)有限公司(以下简称智富发展)、***、***金融借款合同纠纷一案,不服上海市高级人民法院(2018)沪民初3号民事判决,向本院提起上诉。本院于2019年1月15日立案后,依法组成合议庭开庭进行了审理。二审庭审期间,原被上诉人中国工商银行股份有限公司上海市分行营业部(以下简称工行)申请变更其诉讼主体资格为华融资产,并向法庭提交其与华融资产签订的《资产转让协议》《债权转让协议》以及相应转让通知,智富茂城、智富发展、***、***对上述转让已知情,故本院允许其主体变更为华融资产。上诉人智富茂城之委托诉讼代理人丁欣,被上诉人华融资产之委托诉讼代理人张春福、杨斌,农商行之诉讼诉讼代理人周琦到庭参加诉讼。智富发展、***、***经本院传票传唤,无正当理由拒不到庭,按其自动撤回上诉处理,并依法予以缺席审理。本案经依法延长审限,现已审理终结。  
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