CBRC asks banks to clean up charges

Recently, bank charges such as ATM interbank withdrawals, petty deposit management fees, printing bills and so on have been questioned frequently. Yesterday, the CBRC issued a request for commercial banks to further standardize the service charge of the notice, asking the bank immediately to carry out the clean-up work services. It is reported that the banks to the CBRC in early this month to report self-examination.　　According to the CBRC, the CBRC and the NDRC are seizing the legal procedures for the promulgation of the new "interim measures for the management of service prices of commercial banks", and the draft of the scheme is introduced as soon as this month. Illegal project immediately stop charging it is reported that the notification requirements, the banks to further demonstrate the feasibility of charging projects and the reasonableness of the level of charges.　　For the violation of the provisions of the charges, to immediately stop the charges, but there is no violation of the rules, but there is a greater controversy over the charges, the cost of the project and pricing level of the rationality of the assessment, and timely take measures to properly deal with the charges, to the agent to do a good job of　　Notice that the commercial banks should fully do the information disclosure work, strictly enforce the relevant provisions of the price tag, through the business site announcements, website publicity, media announcements, promotional materials, billing, counter staff to inform the customer to fully inform the relevant free services and fee-based services, service content and service prices. The organization bank calculates the business cost notice request, each bank in the Self-Examination service project condition must strictly abide by 2003 CBRC and the NDRC jointly issued "the Commercial Bank service price management interim measure".　　However, the CBRC insiders also said that after the introduction of the "method" for such a long time, some provisions have been out of line with the needs of business development, the provisions on government guidance is too narrow.　　It is reported that the CBRC and the NDRC will carefully promote the government guidance price adjustment work, currently has a representative of the 240 banking institutions to the basic settlement business cost of detailed calculation, for the relevant government guided guidance management work. It is reported that the main content of the new "method" has three points: a number of charges are expressly prohibited, such as the inability of the bank to provide services, including the inability of users to charge cards without opening cards, the payment of an annual fee for a bank card which is subject to a driving penalty, and the government-directed pricing service.　　To establish the relevant procedures and mechanisms for government guidance, to better listen to the views of all sectors of the community; for the pricing of services that are entirely determined by the market, a fair and reasonable pricing mechanism should be set up to determine this mechanism in the form of two departmental administrative regulations. Our correspondent Zhao official said the CBRC one by one back to the "dispute" charge of the project, said the controversial fees charged to the One-fourth Banking Regulatory Commission insiders yesterday that the 2003 "Commercial Bank service price management interim measures" when the introduction of the bank's service project only more than 300 kinds, It has now grown to more than 3000 and has started to charge at the same time as services doubled. At present, there are very few really irregular charges in the charging items, and the controversial charging items only account for the bank charges.One-fourth.　　ATM cross-bank withdrawal fee does not fall under the supervision of the CBRC the biggest increase in ATM fees in the dispute, the CBRC said yesterday that this was a fee charged by a bank agency and that the CBRC had no way to change the fee, and had asked the bank to fully disclose the charges. The Banking Regulatory Commission said the central bank's reply to the "China UnionPay Network bank card Interbank Trading Income distribution Method" has been implemented since March 1, 2004. The method stipulates that the income distribution of ATM Trans-bank withdrawals is based on fixed agency charges and UnionPay network service fee.　　When the cardholder successfully handles the withdrawals at his ATM, the card issuing bank pays the agency fee to the agency bank at the standard of 3.0 yuan per sum, and pays the network service fee of 0.6 yuan per stroke. "In the past, many banks in order to maintain customers, every withdrawal of 1.6 yuan." But now that the bank card has a big circulation, the cost goes up. Now the issuing bank in the bank to withdraw money each charge 4 yuan fee, more than the fees stipulated by UnionPay 0.4 yuan, is for issuing bank to bear the cost of operating risks.　　"One of the CBRC's relevant officials said that due to China UnionPay's fees and standards are not in the supervision of the CBRC, in the short term, the CBRC can only communicate in a coordinated manner to solve the problem of the increase in the cross-border withdrawal fees." ATM single withdrawal limit has been asked for advice there will be a change. After banks increased their ATM-line withdrawals, many banks had to pay a substantial amount of fees for a high amount of money if they had to withdraw a large sum of $2000 per withdrawal.　　In this regard, many consumers think that this is the bank in order to collect fees and deliberately. In view of this situation, the CBRC said that multiple withdrawals and charges are not the banks are willing to do. According to the 1999 central Bank issued the "bank card business management measures," 36th stipulates: Card issuing banks to credit card should be taken every authorization, the cumulative per card is not more than 2000 yuan a day.　　The issuing bank shall set a transaction limit for cardholders to withdraw money from ATM. Since this is the central bank's administrative regulations, banks can not be unauthorized to reform the ATM, at that time, the introduction of this regulation is also taking into account the various aspects of anti-money-laundering. Now these regulations have unreasonable place, triggered the charge system controversy, 3 years ago, the CBRC began to start the regulation of the amendment, but involved in more departments, has been seeking associations, consumers, lawyers and other aspects of the changes in the near future has changed. (Zhao)