Banks still charge a wide variety of foreign banks to offer preferential charges

In recent days, the Chinese banks in the intermediary business costs of rising complaints, the reporter learned from some foreign banks, the use of their debit card can be exempted from the cross-border withdrawal fees.　　To this industry that is fierce competition so that foreign banks put down the "noble" posture, but also to blind price increases in the part of the Chinese capital line sounded the alarm. Bank charges are still a variety of banks due to the intermediary costs caused by many concerns, the CBRC has also called an emergency call to stop the charges, but has not been able to curb the "silent" price surge. Banking intermediary business fees seem to have become the inevitable trend of future development, but so far, the major banks on what to collect, how much, how to collect the problem did not set a unified standard, perhaps the key reason for the user dissatisfaction.　　Yesterday, the reporter calls many bank customer service to inquire the charge standard, obtains the answer is also "various". But a rather interesting phenomenon is that foreign banks, which have traditionally focused on high-end clients in service, have voluntarily put down their "noble" posture, such as Standard Chartered debit card with the city cross-bank withdrawals are not less than RMB 2000 yuan, exemption from the cross-border withdrawal fees;　　The concessions are even far exceeding the seed banks. In the case of Trans-bank transfer charges, the reporter found that the commercial banks are still "each received": for example, the construction Bank to transfer the amount of 1% billing, the minimum of 2 yuan, the maximum of 50 yuan; the Pudong-fat banks adopted a similar method to 1% charges, ranging from 3 to 50 yuan; the Bank of Shanghai, in terms of amount, 10,000 yuan below the amount of uniform charge of 5.5 yuan, 100,000 yuan below the charge of 10.5 yuan, each range of charges have a specific standard; Citigroup said that 1 to 100,000 yuan in the amount of money will be charged 10.5 yuan fees.　　In other words, if a Shanghai citizen transfers 5000 yuan, the fee can be raised from the lowest 5.5 yuan to the highest 50 yuan, of which there is a difference of 44.5 yuan.　　In terms of overseas transfers, CCB will withdraw 1 of the transfer amount (20 to 300 yuan) and an additional 80 yuan as the standard; Shanghai Bank is to 1 (the lowest 50 yuan, the highest 500 yuan) plus 20 yuan as the standard. Bank profit depends on intermediary business in addition to the above charges, the reporter found that "small management fee" is also at the forefront of the charging project. Shanghai Bank As an example, customer service told reporters: Account deposit if the average balance less than 300 yuan, will be charged a quarterly management fee of 3 yuan, the construction bank will increase the limit to 500 yuan, the same charge of 3 Yuan of quarterly management fees; The minimum standard of ICBC soft Passbook is also 500 yuan, if less than 3 yuan per quarter custody fee , the card stipulates that total funds (including funds purchased through the cards, financial products, etc.) over 10,000 yuan can be exempted from small management fees. Only the bank said that no matter what the account, is exempt from the small management fee. Foreign banks in this project "standard" requirements are higher, such as Citigroup's threshold of up to 80,000 yuan, otherwise it will levy 100 yuanSmall management fee. Not only that, the reporter learned that foreign banks are also prevalent in such business trends, such as Bank of America and Wells Fargo began to charge deposit customers in July this year, unless the monthly account balance is higher than the limit, new customers will pay 12 to 15 dollars monthly fee;　　Banks will charge customers for interbank withdrawals, although the time slots for withdrawals are different; in South Korea, banks charge a fee of 1200 won (about 7.2 yuan) for bank withdrawals on ATM machines in general. In addition, from the results of major banks found that the financial crisis since the decline in bank profits, income is heavily dependent on intermediary business. For example, the 2009 Annual report of CCB shows that the fees and commissions net income continue to maintain a steady growth rate of 25%, fees and commissions net revenue accounted for the proportion of operating income continued to increase to 18%.　　There is market analysis that regulatory authorities on bank risk monitoring efforts in the increase, such as the loan ratio control from the original one-year control, the deposit reserve ratio also increased to 17%, from the historical high 17.5% only a step away, the bank is eager to find and withdraw funds. From SMS notification fee, ATM cross-line fee, electronic remittance rate ... Banks seem to be in tandem with the price hike.　　But what is really at the forefront of public opinion is the five major banks of the establishment of diplomatic ties. Why is the big line always the first to be attacked?　　They also feel very "wronged", a friend of ABC said, in fact, the price adjustment has been carried out in April, but as long as the customer said not to know, to the media a complaint will cause a stir. The CBRC insiders said some justice, the 2003 "Commercial Bank service price management interim measures" when the introduction of the bank's service project only more than 300 kinds, has now developed to more than 3000 kinds of services doubled at the same time also began to charge.　　At present, there are very few truly irregular charges in the charging items, and the controversial charging items only account for One-fourth of the bank charges. All along, the domestic banking industry is not sufficient competition, state-owned large business outlets, with a large number of mass base, customer scale, so, "large state-owned enterprises can be a price to eliminate the low rate, the so-called ' inferior ' customers." In this survey, the reporter found that there are some "shop bullying", facing the south of the bank's internal staff.　　They don't even bother to talk to reporters, let alone ordinary consumers. In fact, this question of the big row has not only stayed in the news report of the price increase, but to how to solve the issue of raising fees. It is not difficult to tell, at least technically "point-to-point" so that users know that the price is already feasible.　　For example, ATM prices can be online, teller machine before the public, if only in the Business hall publicity, only to explain the bank publicity coverage is not in place. However, for consumers, to transfer 10,000 yuan across the bank for example, in the industry, agriculture, China, built four banks to pay 45 yuan, 35 yuan, 10.5 yuan, 25 yuan respectively. The minimum maximum amount ofAlso a lot of difference, so the recent bank charges have questioned users, may wish to organize their own sleep card, lest unknowingly in the "be charged." (Tri Ye intern Sun Bing)