Beijing Association says ATM cross-bank withdrawal fee increases infringement of right to know

ATM cross-bank withdrawal charges raised questions in the banking association, said the "legal compliance with price increases" City of the "" "the morning statement--cross-bank withdrawal fee increase" infringement of the right to know "recently, some banks to double up the same city ATM across the bank withdrawals charges attracted a lot of questions. In this respect, the Chinese Banking Association said recently that the charges "legal compliance."　　And the city association said this morning, the bank to improve the cross-border withdrawal charges, violating the consumer's right to know and fair trade.　　The parties stand in the affirmative: the legal compliance with the price increases for some banks to increase the same city ATM interbank withdrawal fees, the Chinese Banking Association said recently, the increase is the result of market regulation.　　Association responsible Person said, commercial Bank ATM cross-bank withdrawal charges belong to the market adjustment price, "commercial banks in accordance with their own cost situation to adjust the ATM cross-bank withdrawal fee standards, is the legal compliance." The banking association also introduced, according to the "China UnionPay Network bank card cross-line transaction income distribution Method": "Cardholder in his bank ATM machine successfully handle withdrawals, whether in the city or offsite, The card issuing banks pay the agency fees according to the standard of $3.0 per sum, and pay the network service fee to UnionPay according to the standard of 0.6 yuan per sum.　　"In other words, each bank would have to generate a" cost "of 3.6 yuan in order to withdraw money across the line.　　In response to the statement by the Bank of the media, the relevant person in charge said this morning, the banking association thinks the fee increase "compliance".　　The parties to the opposition to the City association: infringement of the right to know this morning, the City Association of Law and Complaints director Rondanco said that the emphasis on the banking industry is legitimate, only in line with the existing commercial banks of the management methods, does not mean that reasonable, nor does it mean not infringement.　　At present, some banks ' practices allegedly violate the consumers ' right to know, the right to fair trade and the right to choose.　　Banks as a semi-monopoly industry, its increase in the cost of not specific majority of consumers, there should be consultation with consumers, the way to take a hearing, or publicity across the bank to increase the cost of withdrawals is how to calculate. Lawyer point of view Bank to increase the cost of breach of contract law Dong, a lawyer in silver law firm, believes that customers in the process of deposit and bank card, equal to the bank signed a contract.　　In accordance with the provisions of the contract law, without the agreement between the two parties, one party may not change the contents of the contract.　　Therefore, it is a breach of contract law for banks to raise the ATM fees unilaterally. Dong further introduced that the cardholder to carry out the same city across the bank ATM access is good for the banks.　　Withdrawals do not have to queue up, the efficiency of the banking business increases, and the benefits naturally rise.　　In addition, it is wrong to judge the increase in bank costs by "card issuing banks are required to pay agency fees at $3.0 per sum", since bank a pays the bank B and Bank B also pays the same fee to bank a, which is mutually offset. Dong that, since the cost is only 6 cents, and the bank also benefited through ATM, then the same city across the bank ATM proceduresThe fees should be borne entirely by the banks, and not even 2 yuan/pen should be charged. Wen/journalist Zhang Zhang