CBRC halts commercial banks ' arbitrary charges

Reporter Dong Ji rock intern Jin Fangzhou correspondent Hing Yunlong core prompts the bank to withdraw money, print bills, change passwords ... Recently, commercial banks have more and more fees and charges are getting higher.　　At the same time by the community "to the public", but also attracted the regulatory layer of "rectification." China's Banking Regulatory Commission issued a notice August 3, asked the commercial banks to further standardize the charging of services, the violation of fees and charges immediately stopped.　　Banks are required to "price" the charging items and pull out the list, clearly inform customers which services are free, which service charges. The CBRC will urgently stop the "disorderly" fees issued by the CBRC August 3 notice requirements, the commercial banks to further demonstrate the feasibility of charging items 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　　The notice stressed 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, statements, counter staff to inform the customer to fully inform the relevant free and charged service items, service content and service prices. At the same time, the CBRC also said that at present, the CBRC and the National Development and Reform Commission are working to amend the "Temporary measures for the management of service prices of commercial banks", the two departments will also carefully promote the government guidance price adjustment, the organization has been representative of the 240 banking institutions to calculate the cost of the　　To provide the basis for the relevant government guided prices management work.　　Reaction to the capital Bank was not notified yesterday, reporters from the provincial capital Bank interviewed learned that as of yesterday, the provincial capital of commercial banks have not made adjustments to the fee items. Reporters yesterday visited the provincial capital of a number of banking outlets, and dialed a number of commercial banks of the service telephone, they said, as of yesterday has not received the head office on the adjustment of fees and charges related to the notice.　　CCB staff said that although the charges are made by the banks themselves, but before the implementation of the CBRC to report the approval of the record, if the adjustment, also need to pass the CBRC and other relevant departments to adjust the approval. In the interview, commercial bankers told reporters that at present, the CBRC has asked banks to complete self-examination and clean-up within a week.　　According to industry insiders expect, the CBRC and the NDRC are holding fast to the new "commercial banking service price management measures," the promulgation of the legal process, may be promulgated as soon as this month. Reporter learned that the recent increase in the price of bank charges, the National Development and Reform Commission has also expressed its position.　　July 28, the head of the National Development and Reform Commission said that the commercial banks in the city ATM interbank withdrawals fees are regulated prices, but the banks should be balanced, prudent adjustment of the relevant fee standards. The National Development and Reform Commission has cooperated with relevant departments to draft a new commercial bank suitRegulations on the management of the price of the commercial banks, according to their nature, characteristics and market competition conditions, respectively, the government guided prices, government pricing or market regulation price. The cause of bank charges rising in the beginning of July, the news of the rise in bank services fees has become a focus of public opinion. From the early July, some areas of ATM across the bank to increase the charges, to recent days, a number of banks billing printing fees ...　　Banks of various kinds of fees and charges to customers overwhelmed, but also by the community's "campaign." Reporters yesterday visited the provincial capital of a number of bank outlets, in Zhengzhou through a Construction Bank network, counter staff told reporters: "Print the bill at the counter to pay." Among them, two months to 1 years within the charge of 20 yuan, 1 years above the charge of 40 yuan, three years or more 60 yuan.　　"In the entire business outlets, the reporter did not see the bill printing fees for any publicity." The reporter learned that the personal account of the water is mainly used to prove the status of personal assets.　　In general, banks in the processing of personal loans, credit cards, travel procedures to go abroad, such as business, need to be issued by individuals account water. Reporter learned that at present, Zhengzhou has a number of banks to open the bill printing fees, printing bills the longer the distance, the higher the charge. For example, the Bank of China, 1 months free, more than 1 months to charge 5 yuan, 3 months ~6 monthly fees 10 yuan, 6 months to annual fees 15 yuan, 1 years ~3 annual fee 20 yuan, 3 years and more charges 100 yuan. AgBank prints more than 5 pages of bills, doubling fees. Bank customer service staff advised customers, with the card-bound passbook to the counter print details, so that it can be completely free.　　In addition, online banking can also be used to check transactions within one year.　　In addition to printing the bill, the bank's "reset the bank card password" charges, but also caused many customers dissatisfaction.　　Reporter yesterday to find that, farmers, workers, built to joint-stock commercial banks have stipulated that if the customer forgot the bank card password, must carry the identity card and bank card to the bank to reset the password, "password reset fee" fees are mostly 10 yuan/times. Resetting the bank card password is "a little bit of a lift" for banks, and many people are puzzled by it. Zhengzhou card man Xing said: "The bank handles the reset password only needs dozens of seconds, can completely fall into the bank to the customer obligation service scope, for a simple operation, 10 yuan charge price is too high."　　"The investigation was not informed when the cardholder was most disgusted by the press interview to learn that compared with banking charges, many cardholders are most disgusted by the fact that they are" charged "without their knowledge, at the same time, the charges are different among banks, the same bank charges are not informed when the charge is raised, and many customers feel overwhelmed. Zhengzhou Ms. Du has a construction Bank debit card, has been three years of no use.　　Some time ago she saved 3000 yuan in the card, and then to the online bank to check the balance, but found that Cary unexpectedly produced a small fee, "every few days, Cary was deducted 3 yuan money, do not know what happened." Later Mrs Elsie passed the silverStrider Service Hotline only learned that this is "account management fee", each quarter deducted 3 yuan, her account in a short period of time is often deducted fees, mainly to make up their bank card idle period of expenses, before idle period account has no balance, can not be deducted. "I don't know how to charge for this, and if I do, I'm not going to save my money on this card!"　　Ms Du is very annoyed.　　In the interview, the reporter also found that some banks of small account management fee threshold has been quietly improved, many people do not know the situation has quietly entered the bank charged "management fee" category.　　The reporter learned that, starting from June 1 this year, the Guangdong Bank will be RMB small account management fees from the beginning of the "Daily balance 300 yuan to 500 yuan", which means that more people pay 3 yuan per quarter of the account management fee. At the same time, AgBank's small account standard also quietly mentions the daily balance of 500 yuan. ICBC, BOC, CCB still maintain the daily average balance of 300 yuan standard.　　Everbright, trading, CITIC, investment, Zhengzhou Bank temporarily did not levy a small account management fee. The reporter also learned that for the same service project, different banks charge 10 times times the difference.　　such as the loss of credit cards, foreign withdrawals and other projects. In this respect, some customers ask: "The same service items, why some banks for free, and some banks to charge it?" And the price difference is still very big. "The cardholder found a rule: large banks charge more items, and high fees, while small commercial banks and joint-stock banks are relatively" affordable.　　So some cardholders think this is a big bank "shop bully". Background 6 years of bank charges increased several times in the interview, the reporter learned that the current commercial banks not only charge a wide range of items, and standards vary.　　Banks have a number of services to be charged, not only customers do not know, even some bank employees are not sure. Reporter interviewed learned that since March 2004, the savings bank card began to collect 10 first year fee this charge project, 6 years, bank customers have experienced a small account management, cross-border withdrawals, cross-line inquiries, SMS Reminder services, loss reporting, supplementary cards and many other business from free to charge process. Now the charging item has been added: The off-site inquiry fee, the offsite deposit fee, the long-distance withdrawal fee, express remittance fee, open account fee, annual fee, start-up or replacement card fee, idle card to save money after the "management fee", password reset fee, withdrawal handling fee, telephone bank fee, SMS notification fee, transfer failure handling fee, change passbook fee,　　Bill printing fees. The CBRC also said: "In 2003, the bank's services were only more than 300, and now has developed to more than 3000 kinds of services, when the service doubled and began to charge." The increase in fees and charges is mainly attributable to the increase in service items. Several provincial bankers interviewed by reporters yesterday confirmed this view. They point out that a few years ago online banking, telephone banking and other businesses are not popular, while the number of personal customers card is far from the current size.　　According to a survey published by China UnionPay This March, the number of domestic bank cards has increased rapidly in recent years.　　At present, the domestic ownership of more than 3 card holders accounted for more than 80%, nearly half of the cardholder owns 3~5 card, with more than 5 card holders accounted for about 30%. The reporter learned that at present, the NDRC and the CBRC and other ministries are stepping up the introduction of a new "commercial bank service Price management measures", and before that, the bank charges are still issued in 2003, "Commercial banks service price management interim measures."　　Some bankers said the approach is now longer and that the market has changed a lot, "obviously a bit of a discomfort".　　Is it a "trend" or a "monopoly"?　　Does the recent frequent "fee-charging tide" of Banks herald the arrival of a "high fee" era for banking services?　　Two ministries are brewing in the new "commercial banking service price management measures", can effectively curb the bank "disorderly" fees, reduce the burden of cardholders? Sino-European Lujiazui International Finance Research Institute deputy Dean Liu Shengjun that domestic banking competition is not sufficient, state-owned large business outlets, with a large number of mass base, customer scale, so not worried about customer churn problem. "Large commercial banks can eliminate low rates and so-called ' inferior ' customers by rising prices," he said.　　"He believes that banks have always been" Xianpinaifu ", which may also be a trend in the future development of bank charges. Guo Tianyong, director of the China Banking Research Center at the Central University of Finance and Economics, said the intermediary business of the domestic banking industry was developing and that the pricing capacity of the intermediary products needed to be improved. "Price formation, there should be a complete set of pricing methods and pricing model."　　"He believes that there is a certain degree of monopoly in the banking industry, the subjective factors in the bank accounted for a relatively large price formation." For the forthcoming release of the "Commercial Bank service price management interim measures", Guo Tianyong said, the future bank intermediary business price increases have become a trend. "In this trend, the price rise is unreasonable and lack of sufficient justification, the external regulatory agencies need to play the role of supervision and guidance."　　At the same time, some analysts pointed out that, in the current banking services pricing mechanism without effective supervision, public opinion supervision should also play a greater role. "A lot of banks in the previous period charged ' note money ', under the great pressure of public opinion, quickly stopped, which is the role of public opinion supervision." ”