Legal analysis: First, implement the policy of postponing the repayment of principal and interest. The second is to increase support for weak areas such as private enterprises and small and micro enterprises. Third, resolutely clean up and standardize the reduction and exemption of fees by bank insurance institutions. The fourth is to vigorously rectify the problem of illegal charges.

Legal basis: Article 84 of the Law of People's Republic of China (PRC) Commercial Bank, if a staff member of a commercial bank takes advantage of his position, asks for or accepts bribes, or accepts kickbacks or service fees in various names, which constitutes a crime, he shall be investigated for criminal responsibility according to law; If it does not constitute a crime, it shall be given disciplinary sanctions.

Whoever commits the acts mentioned in the preceding paragraph, issues loans or provides guarantees, thus causing losses, shall bear all or part of the liability for compensation.