China Merchants Bank'S 10 Yuan Denomination Fee Collection

The controversial bank counting fee was once again pushed to the top of the storm.

A few days ago, a media report in Beijing said that when a depositor deposited 300 coins in the bank, he was charged a 6 yuan counting fee.

Reporters recently learned from a number of banks in Guangzhou that some banks really need to pay a certain fee for large amount of small change deposits, while different banks charge different standards. Some of them only charge for unit accounts, while individual accounts are free of counting fees.

Many people expressed their dissatisfaction. Some citizens even said that banks should also pay the queuing fee. Some lawyers also believed that banks, as financial institutions, had the function of providing financial services, and it was not reasonable to collect money for bills.

　　銀行收點鈔費標準不一 10元面額也要收點鈔費

Recently, a reporter consulted a number of banks as a client, saying that he had 1000 yuan of 5 yuan or 1 yuan in his home, and whether he could deposit it in the bank. Can he deposit money in the bank? The people's Bank of China (600016) told the reporter that he could handle the deposit, but it would charge a certain fee. In fact, it was not charged for the 1 yuan denomination banknotes, and the notes below 1 yuan. If more than 500 tickets were collected, the cost of 4 yuan / pens was increased, 100 yuan each, plus 0.5 yuan / pen.

The staff said that because of the large number of banks to count the change, and counting the money to spend a lot of time, special arrangements for manpower to make inventory, the charges are used to pay the bank's labor costs.

A person who has issued a branch of a wide branch also said that if he intends to save large sums of money, it is better to make an appointment in advance, or to deal with less business at noon, so as to avoid delays in other businesses.

The bank will also charge a certain amount of counting money, which costs 1 yuan for every 100 pieces of zero money. The standard of change is defined as below 10 yuan, that is to say, if there is a large amount of change, including 5 yuan, it is also necessary to collect the counting money.

A staff member of a branch of the China Merchants Bank told reporters that the standard of the bank's change was 10 yuan (including) the following denomination, if the 1000 pieces were not collected, there would be no more than 1000 parts, and 1 yuan for every 100 pieces.

In the four major state-owned banks, except the Bank of China, it is clear that it is necessary to collect the counting money. The staff of Bank of China, ICBC and China Construction Bank have indicated that banks can handle a large amount of small denomination deposits, and do not collect money for individual depositors, but suggest that deposits be made in batches.

　　有律師質疑收費合理性 但有專家認為實屬正常

The reporter has learned that in the various charges of banks, besides interbank charges, interbank charges and annual fees have also been controversial. Besides, since 2007, interbank inquiry fees have been cancelled in controversy.

For the bank to charge the counting money, Ms. Lin, who lives in Baiyun District, said, "do you collect money and do not receive money?" Miss Tan, a white-collar company, also called on him. "Many banks are often overcrowded, and it takes a lot of time to do a business. This is also a loss to customers as a result of time. Is it also necessary for banks to pay customers' queuing fees?"

Liu Weiyuan, a lawyer from Guangdong's vertical and horizontal law firm, thinks that, as a financial institution, banks have the function of providing financial services, and banks should not collect money.

"If the deposit is 10 thousand yuan, does it stipulate that the deposit must be 100 yuan? If there is no such stipulation, 1 yuan or 1 yuan will be left for the deposit, and the bank has to accept it. Since it is accepted, the bank can directly deposit it into the bank without any money. Once it is discovered that the counterfeit bank itself is responsible, but now it is the bank's main point, it is the depositor who will bear the cost."

Liu Weiyuan said.

Chen Luze, Professor of the Finance Department of Jinan University, believes that banks are financial enterprises. All activities aim at operating profits. They provide services and charges normally. Collecting money for a large amount of zero bills deposits is mainly due to the cost of manpower. In addition, banks can avoid excessive increase in costs and occupy other business hours by charging.

From the point of view of depositors, it is not necessary to understand the nature of banks' operation and get accustomed to long time free services. Once fees are charged, they are not accustomed to them.

Remittances outside China amount to $12 billion a year.

　　三種境外匯款哪種更省錢?

According to the latest research report of VISA international card organization, the scale of China's overseas remittance has reached 8 billion to 12 billion US dollars / year, most of which are expenses for overseas students. At present, Chinese students have reached 400 thousand. The average annual remittance of Chinese parents is between 15 thousand and 25 thousand US dollars. Their remittances are 2 billion dollars, such as medical treatment and membership fees, most of which are remittances, and the proportion of small remittances is relatively small.

Li Juan, director of innovation products at VISA international card, told reporters that at present, most banks in China carry out the mode of wire pfer, but the cost and time cost of telegraphic pfer are relatively high, which is not cost-effective for ordinary people.

It is understood that through remittances, the remittances must fill in the name, address, account bank name, account number and address of the payee through the bank counters or online banks. At the same time, Swift Code bank identification code is required to ensure timely and accurate arrival of funds.

In terms of cost, the traditional telegraphic pfer must generate remittance fees, telecommunications charges, and "money pfer" fees. For example, the ICBC counters will charge 1/1000 of the handling fee, which is a minimum of 50 yuan and a maximum of 260 yuan. In addition, the telecommunication fee is charged at 150 yuan each.

In general, telegraphic pfer takes a long time and usually takes 3~5 days to arrive.