Banking association announced that banks should receive less or no service charge

Yangcheng reporter 刘薇 reports: In the new "Commercial Bank service Price management measures" in early August after the consultation for several months, the media began to widely question the time (Yangcheng Evening News early on this concern and query, October 27 A5 version of the report "Small account fees," "Bamboo bar" knock to when?　　), the Chinese Banking Association finally took the lead in issuing the six-point consensus on strengthening the self-regulatory work on banking charges on 16th, requiring banks to take further social responsibilities and to give concessions, exemptions or pauses to some charges as far as possible.　　The "Six-point consensus" proposal to take care of the disadvantaged Group China Banking Association issued a "notice" 16th to its member units, said that by the member banks in consultation and by the Chinese Banking Association, the 16th session of the Council to consider the adoption, has been to strengthen self-discipline, banking services to achieve a six-point consensus The main contents include: Commercial banks should further assume social responsibility, and should pay less or no service charge to the basic security banking services involving the public, especially those involving low-income and disadvantaged groups; On the basis of scientific cost calculation, we can give preferential treatment to self-service machines and electronic banking services.　　Fully respect the right to know and choose the right of the customer, under the premise that the customer fully informed by the customer according to their own circumstances, the choice of banking services, the establishment of supervision and complaint processing mechanism, to identify violations of the investigation and so on.　　The notice also requires commercial banks to take effective measures as soon as possible to increase system reform, timely relief or suspension of fees for some RMB personal accounts. Banks are still charging small account management fees Yangcheng Evening News reporter to the banking Association of the proposed relief or suspension of some of the fees and the previous request for comments, "commercial banks service price management measures", the comparison found that the new requirements are not many, but for some of the previously requested fee-free items repeat.　　In the case of the provincial banks, the normal small account management fee is still in the usual charge, for some special categories of small account fees, banks have been reduced or closed. For example, in the small account of the payroll account, pension passbook accounts, pension passbook accounts, low savings passbook accounts, many banks in the actual operation, did not charge such accounts for small management fees, but some banks can automatically identify and reduce, and some require depositors to the bank counter for relief.　　and 1 years of bills, due to the formal "method" did not come out, the bank in the actual operation is still charged, but the standard has been reduced. For this self-discipline "notice", as of the press, the provincial banks still do not return to how to implement.　　The information from the customer service offices of major banks shows that has not received a number of charges to adjust or stop the notice of the small account management fee in addition to the provisions of exemption, still continue to charge, the standard is basically 3 yuan per quarter, 12 yuan a year, "small" standard more in the daily average deposit balance of 400-500 yuan. Some bankers said that the specific fee adjustment will still need to wait for the head office or regulatory authorities issued a formal"Commercial Bank service Price management method" can be clear.　　Reporters randomly interviewed some people said that the bank can reduce the number of fees is not optimistic, because no matter is the "method" or "notice", not related to the most people pay attention to a number of items, such as cross-bank withdrawals, SMS notification fee, credit card processing fees, full penalty and so on.　　The banking association proposes to reduce the annual fee and account management fee for the payment of traffic fine passbook accounts in the six types of small-fee accounts which are required by government departments.　　In the small account, the pension Passbook account, pension passbook account, pension passbook account, low income passbook account, medical insurance passbook account, unemployment insurance passbook account, Housing Provident Fund Passbook account fee and account management fee.　　A small account management fee for a passbook account that is used to repay a personal loan.　　Trans-bank transfer fee for contributions to the special relief account. To provide in paper or electronic form the fee (once per month) for the statement of the bank's credit card standard format. To provide, on paper or electronic basis, a fee (once per year) for the bill in the bank's credit card standard format (including) within 12 months.