What Do Banks Charge Against The Wind?

It is imperative to establish effective checks and balances. Supervision mechanism On behalf of the interests of clients, we regulate bank charges through external forces, while ensuring that consumers have sufficient right to know And the right to choose. If such checks and balances are missing, it is difficult to eliminate consumers' dissatisfaction by relying solely on commercial banks' self-discipline.

Zhang Wei

The national development and Reform Commission disclosed on the official website that after the cancellation of 34 banking charges in July 1st, some bank outlets continued to charge the loss of RMB personal account password, which was explicitly abolished by the state. Among them, the four state-owned banks of industry, agriculture, China and construction were "famous". It is said that the competent departments in charge of prices have ordered the relevant banking financial institutions to refund the customers' fees and give administrative penalties according to law.

Commercial bank charges have always been affected. Condemn both in speech and in writing The relevant departments have repeatedly asked banks to regulate fees, but the customer's dissatisfaction with banks has not changed. The 34 service charges were halted, leaving commercial banks left behind. Fight stubbonly with one's back to the wall "Impression", and made "drag the character formula". After July 1st, media reports revealed that some banks were still charging 10 yuan for each debit card. Accordingly, a briefing on the services and charges of banking financial institutions was held. In July 5th, the CBRC held an emergency meeting. On the same night, a telephone supervision by the CBRC bank called a code loss reporting fee for the four major businesses, namely, the suspension, the farming, the central and the construction. It is explained that the bank has different understanding of the relationship between password reset and password loss.

After that, the "missing net" still exists, and some branches of several joint stock banks continue to collect the loss of password registration until mid July. Such a resolute headwind charging behavior shows that banks and customers and regulators play "hide and seek". The operation of commercial banks is different from that of ordinary industrial and commercial enterprises. There should be no loopholes in violation of policies, otherwise, how to ensure financial safety. The collection of password loss reporting has become a target of public criticism in early July, and the call was stopped overnight after the emergency meeting of the CBRC, and the relevant banks still dare to "ignore it", which only makes people doubt its sincerity. This also reflects the bank's hunger for service charges, which is currently in the environment of banks eager to charge rather than prudently charging.

Commercial banks are more or less wronged about the abuse of service charges. The transformation of banks in recent years seems to have a good reason for service charges. The head of the China Banking Association said recently that "the reform of China's interest rate marketization will be further promoted, and the interest rate differential will be further compressed. The net interest margin ratio in the income structure of banking financial institutions will also be further compressed. The banking industry can only survive and develop by intermediary business innovation and more intermediary business development. How can the banking industry achieve strategic transformation if we oppose the banking fees in general? The Banking Regulatory Commission announced last month that the fees charged for Chinese banking services are not higher than those of overseas counterparts. For example, the cost of paying four core routine businesses such as account management, payment methods, cash usage and special case processing is less than 10 euros, while the international average level is about 90 euros.

According to the above statement, the mistake of charging disputes is not like banks, but customers are accustomed to free lunch, and they lack the habit of accepting fees. The problem is that bank charges can't be "bully". On the one hand, it gives a series of preferential treatment to the good quality customers who are not bad money, and replaces them in terms of charges. On the other hand, they insist on charging for ordinary customers with low and middle incomes and even a few yuan. Do banks have social responsibilities? The NDRC has made it clear that "commercial banks should, when formulating or adjusting service charges involving public interests, should Take into consideration both needs of the state and the interests of the collectives And widely soliciting opinions from the relevant parties. From the long-term interests of the banking industry and the overall situation of building a harmonious society, we should carefully adjust the relevant charging standards. In fact, banks insist on "overlord" charges, regardless of the wind charges, has been shown as "greedy".

In the face of social doubt, the Banking Association's response is that "reasonable compliance fees should be more and more good, should be affirmed and encouraged." Under this "more and more encouraging", can bank charges be prudent? It is worth mentioning that, after media reports, the CBRC collected a total of 5 billion 774 million yuan from the commercial banks during the period from 2004 to 2010, and the business supervision fee was 32 billion 795 million yuan, which amounted to 38 billion 569 million yuan. Since there is such a relationship between the CBRC and commercial banks, do ordinary consumers dare to expect the CBRC to "force" banks on charges? Therefore, it is imperative for us to establish effective checks and balances and supervision mechanisms to represent the interests of clients, regulate the bank's charging behavior through external forces, and ensure that consumers have the right to know and choose. If such checks and balances are missing, it is difficult to eliminate consumers' dissatisfaction by relying solely on commercial banks' self-discipline.