Shanghai Bank to stop collecting personal zero-note fee

Municipal Consumer Insurance Committee calls: as soon as possible subdivision of "large" and "zero money" definition criteria-intern Wang 珝 reporter Sha Mapping Nimping recently, the country for the major banks have received "zero-note accounting fees," the controversy is increasingly strong.　　Reporter learned yesterday that, after the Shanghai Municipal Consumer Protection Committee and the communication between the banking industry and coordination, the city's major commercial banks have basically abolished the individual customers to collect "zero-note accounting fees." But that does not mean that the cost of the zero-note inventory has been completely "retired" because a significant number of banks will charge corporate customers.　　Municipal Consumer Protection Committee and the legal profession have called for, the authoritative department should as soon as possible to what is "big" and "the zero money" standard to define, and on charges target, standard and so on question held the hearing widely to solicit the public opinion. "Cause" bank to pay for customer "counting Money" this newspaper was published on March 15 this year, entitled "The deposit of defaced banknotes, to receive 8 yuan handling fee, the article in the paper to save the Bank of Mr. Chen met the bank to collect" zero-note accounting fee ", so that he could not understand. At that time, the reporter investigated a number of commercial banks in Shanghai, found that similar fees do exist.　　Since then, media coverage of similar events has been frequent. At the same time, banks in various regions of the country began to collect "zero-note-counting fees", which once again sparked a great controversy among the community about the standard of zero-note charges and whether banks should charge the fees, which many people consider extremely unreasonable.　　Many consumers are "see recruit", put forward "many separate deposit" approach to circumvent the bank's minimum fee threshold. "Investigation" of the rules of unclear charges for the bank charged "zero-note accounting fees," The rationality of the issue, many banks said its standard reference, by the National Development and Reform Commission and the People's Bank of China jointly formulated the "Commercial Bank service transaction management price interim measures."　　Shanghai Banking Regulatory Bureau in an interview, said that according to the "measures", the commercial banks can be based on market factors, the charge of the corresponding service fees, zero-note accounting fees belong to the scope of the fees. In reality, however, there are many differences in the fees and charges of banks, even when they are charged, mainly because they differ in the standard of "large zero". The CBRC said that the relevant provisions of the "large" and "zero money" definition has not yet set specific standards for breakdown.　　As to whether this rule will be perfected in the future, it needs to be discussed by the CBRC legal department.　　"Questioning" the right of consumers to fair trade in spite of the "provisional measures for the management of Commercial banks ' service transactions", the major banks have found a basis for collecting "zero-note-counting fees", but many consumer activists and the legal profession still have a deep doubt about this. Beijing Consumer Association recently said that banks charge "a few money" suspected monopoly, depriving consumers of the right to fair trade.　　Because in the face of ordinary consumers, the bank is clearly a semi-monopoly or monopoly of enterprises, and so hasty to involve not specific majority of consumers to set up a charging program, is no doubt that consumers are forced to accept the mandatory behavior. ShanghaiWang Zhixiang, a lawyer at Jin Li law firm, said that in accordance with the principle of contract law guaranteeing equal transactions between the two parties, banks should be charged to depositors in accordance with the uniform fee standards, rather than the banks themselves.　　Now that the state has not yet defined the standard for the "Big Zero" inventory, this fee should be exempted, rather than being passed on to consumers. "Tracking" The city's consumer Insurance committee urged banks to stop the charges in the community on the "zero-note accounting fees," the controversy is growing, reporter learned yesterday, in the elimination of the Committee in coordination, the city's major commercial banks have stopped or canceled on individual customers to collect zero-note inventory fees. Changli, the Secretary general of the City's consumer Security Council, said that after receiving advice and advice from consumers on the charges, they had communicated with the banks on many occasions, and had raised with the banking association the unreasonable place of the bank's practice.　　In the end, major commercial banks agreed to cancel the charges in the Shanghai area. The reporter then called the ICBC, the Bank of Commerce, Bank of bank, the upward and other commercial banks of the Customer Service hotline for verification, found that the major banks have indeed in recent years have stopped the collection of "zero-note accounting fees" business.　　Minsheng Bank, which followed up later, also said it would start cancelling the charges starting today.　　"Summary" "the solution is not the root of the problem" letter to be resolved although the bank's individual user fees have been basically resolved, but the reporter learned that this does not mean that the "zero note" has completely disappeared, because the major banks in response, said that the enterprise customers will still be charged according to a certain standard. In this respect, Changli said, because the scope of responsibility of the Consumer Insurance Committee is individual consumers rather than enterprises and institutions, it can not be carried out for their rights.　　However, she stressed that the committee still believes that banks as a service industry, there is no reason to charge any customers such fees, and called on the authorities to establish specific rules to subdivide the market, management of the predicament.　　Senior activist lawyer Wu Dong told reporters that, according to the reality, in fact, will go to the bank one-time access to "large zero-note" of more than 90% of the customers are small and medium-sized enterprises, self-employed, these people should be the focus of the bank to support the object, and the collection of inventory fees instead is a repression of them, which will be related to the interests of many of the In addition, he also pointed out that, according to the provisions of China's "price law", with the development of national economy and people's living standards of a very small number of commodity prices, important public service prices should be a hearing.　　According to the principle that the law is higher than the departmental regulations, whether to collect the "zero-note-counting fee" should be bypassed by the "interim measures for the management price of commercial banks ' service transactions", which is directly decided by the hearing.　　He's a rock. The United States and the European Union have set a precedent for dealing with imbalances in banks and consumers ' rights. U.S. President Barack Obama, at the end of March this year, has been the House of Representatives passed a financial reform bill to protect consumer interests and ensure the healthy development of the banking sector. "We need a set of tentative rules to allow the market to operate fairly and freely and to rein in the financial sector," he said. ”　　And the European Commission has been committed to the financial, telecommunications, energy and other monopolistic industries within the scope of the policy to the small and medium-sized users, and the introduction of the relevant antitrust legislation.