Banks Are Getting Less And Less Free, And The Money Is Getting Smaller.

< p > < strong > > small account management fee "not negotiable" < /strong > < /p >

< p > < strong > quietly sucking away the account balance, the more money is kept in the bank, < /strong > /p >

Zhang P, a resident of Fengyi bridge in Fengtai District, Beijing, recently met with a fire.

At the end of last year, his wife had a stomach attack. Zhang aunt heard that she could use the bank card to register herself on the machine. She went to the Construction Bank to open a bank card and deposited 300 yuan.

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< p > a few days ago, his wife wanted to go to the hospital for a review of stomach trouble. Zhang aunt rushed to the hospital to register, but after he snatch the special request number, he failed to pay.

After a lot of frustrating, it was found that only 297 yuan was left, and not enough to pay the registration fee of 300 yuan.

When asked by the bank, Zhang's card was deducted from a small account management fee of 3 yuan because her current account was less than 500 yuan.

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< p > "although it is only 3 yuan, you can not tell me when you run the card. There is no charge for the bank to deduct the charges."

Aunt Zhang complained.

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< p > bank staff explained that the small account management fee was automatically deducted according to the account deposit system, and it was not known whether it would be charged when the card was sold. When the account was deducted, the system would not inform the user unless the customer had customized the SMS notification service, but the service would also charge a monthly fee of 2 yuan.

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< p > small account management fee is a new charging item in many commercial banks in recent years. It breaks the understanding of "more money in excess" in traditional concepts. Some accounts with less balance will not be cleared for a period of time, or even be suspended.

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< p > reporters understand that commercial banks charge small account management fees differently. Taking Beijing area as an example, ICBC charges 3 yuan / quarter of management fee for accounts of less than 300 yuan per day, while the Construction Bank and Bank of communications are less than 500 yuan a day, charging 3 yuan / quarter. China Merchants Bank stipulates that the average daily assets of less than 10 thousand yuan will be charged 1 yuan in management fees.

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< p > compared with personal accounts, the small management fee of enterprise accounts is more common. For example, ICBC has an average of 90 yuan per quarter for the daily accounts of less than 500 thousand yuan, and the bank accounts for 60 yuan a day under 10 thousand yuan, which is also a burden for some small and micro enterprises.

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< p > it is learnt that the CBRC has recently issued a new regulation on commercial banking service charges jointly issued by the NDRC. Since August 1st this year, there are conditions to exempt individual account management fees. However, a number of banks consulted by the press have said that the implementation of this requirement requires customers to apply to the bank themselves, and after verification is clear, banks can only provide a free account.

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< p > "now buy water to buy electricity, pay wages, hospital registration must pass the bank, bank service is already one of the basic public services indispensable to the life of the ordinary people. The bank itself is a monopoly enterprise. For this kind of basic service charges related to people's livelihood, it should be determined through the form of hearings and so on, and it must not be the bank's own discretion."

Liu Junhai, vice president of China Consumer Association and professor of Law School of Renmin University of China.

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< p > < strong > > financial products "invisible charge" < /strong > /p >

< p > < strong > highlighting propaganda high a href= "http://www.91se91.com/news/index_cj.asp" > yield less than /a > risk and charges are deliberately not mentioning < /strong > /p >

Below P, financial products become an important investment product for ordinary people. By the end of 2013, the balance of financial products in China's banking industry was 9 trillion and 500 billion yuan, up 41.8% over the same period last year.

However, behind the hot financial products, many banks are hiding "hidden charges". Many consumers do not know anything about it.

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< p > reporters interviewed a number of consumers who came to consult financial products in a bank business hall in Chaoyang District, Beijing. They all said they had no knowledge of the financial products charged by banks.

At the bank counter, the annual yield of several financial products was posted prominently, but no mention was made about bank charges and product risks.

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< p > browse through several directions of < a href= "http://www.91se91.com/news/index_cj.asp > > financial products < /a > found that these financial products should charge a certain percentage of handling fee and custodian fee. A financial product with an expected yield of 6.02% is deducted, the real rate of return is only 5.6%, and this fee is charged by drought and flood. No matter what the final yield of the customer is, the bank can charge this fee.

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< p > and with the booming sales of financial products, bank charges are also rising.

Taking the bank's "full payout" series of financial products as an example, its sales rate has been 0.1%, up to 0.2% in July last year, and then up to 0.3%, and now it has jumped to 0.45%.

Reporters inquired about their official website, but could not find detailed instructions. Only the investment starting point and expected rate of return were introduced. The charges were not in the public information of the products.

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< p > in addition, most banks will agree in the contract of financial products. When the expected maximum annualized rate of return is reached, some of the proceeds will be charged as bank investment management fees.

According to statistics from famous financial websites, the actual yield of financial products in 2013 is larger than or equal to the expected yield rate of 24500, accounting for 53%, less than the expected rate of return of only 19, accounting for 0.04%, and nearly 47% of the financial products did not disclose the actual rate of return.

How much excess earnings have been obtained from financial products? How much investment management fees have been taken away by banks?

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< p > "excess return is essentially the investment income generated by the investor's principal. Only the investors who co invest and share risks can share the proceeds. The bank as a custodian does not have the qualification to enjoy excess returns."

Guo Tianyong, director of the China banking research center of Central University of Finance and Economics, thinks that the charge for financial products belongs to the market pricing item, but banks must also collect reasonable fees according to the regulations, and can not enjoy both high returns and risks.

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< p > < strong > < a > href= > http://www.91se91.com/news/index_cj.asp > free item < /a > less and less < /strong > /p >

< p > < strong > a bank card charges more than 30 items. This should be the responsibility of the bank but let the consumers pay the bill < /strong > /p >

More than P, many of the original free banking services have also become fees.

For example, many banks no longer handle current passbook, but instead change it into a bank card.

The following are the annual account fees, small account management fees, SMS notification fees, interbank inquiry fees and many other costs.

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< p > reporter survey found that there are more and more fees charged on bank cards. Taking the Bank of communications as an example, there are 20 items of fees involved in the use of a debit card, including common annual fees, card loss reporting fees and interbank withdrawals fees. If there is a credit card with overdraft function, there are 23 charges.

If you add some SMS notification fees, financial advisory fees and other value-added service charges provided by some banks, the fees charged by a bank card will be as high as 30.

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< p > although in recent years, regulatory authorities have issued many requests for banks to reduce and standardize fees, many customers feel that now the feeling of bank charges is more and more reduced. Free items are less and less! < /p >

< p > Liu Junhai thinks that the bank card is a necessary tool for banks to complete the paction purpose. The bank itself profits from the paction, and the service such as SMS notification is an important measure to ensure the safety of the paction. It is also the responsibility and obligation of the bank. Now it is obviously unreasonable to let the consumer bear the cost.

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< p > chief economist of Agriculture Bank Xiang song Zuo said: at present, the internal assessment mechanism of banks is relatively single, with more emphasis on income and profit indicators, and insufficient emphasis on service quality and customer satisfaction. The income of the grass-roots organizations of banks is linked to profit indicators, resulting in a strong impulse to collect fees from banks, and they will do everything possible to collect various fees.

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< p > aiming at all kinds of unreasonable charging behavior of banks, the executive meeting of the State Council recently requested that special charges be checked for banking charges, and no charges should be lifted.

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