Cross-bank withdrawals 3.6 yuan cost how to approve price increase why no hearing

The same city across the bank to withdraw fees quietly rose to 4 yuan, the voice of doubt a new Express news reporter Zhang Yuolo rate intern Tang issued on July 1, the same city across the bank to increase the rate of withdrawals to 4 yuan per sum (the first two free), the news out of the street, the bank's withdrawal fee standards are also disclosed, Some banks have quietly raised the threshold for fees over the past few years, prompting a market challenge. In response, the Chinese Banking Association to the media, the bank's move "legal compliance", and the bank also complained that the 4 yuan per fee will not lose money.　　Yesterday, the reporter inquires the regulatory department over the past years to the bank card withdrawals fees and charges, although the fee standards are stipulated, but its approved standards have not been publicly demonstrated. Investigation of 4 yuan in addition to the cost of 3.6 yuan and 0.4 yuan spreads yesterday, reporter to customer identity consulting the major banks in Guangzhou business outlets, found that in addition to the four lines of the same city across the bank withdrawals fees in 2006 has been adjusted to 4 yuan per 2 yuan, from the beginning of last year, once to attract customers free joint-stock banks have some follow-up, But most can also provide a free amount for the first 2 or 3 strokes of the month. This time, the broad issue from July 1 onwards from the cardholder's fourth monthly withdrawal from the city to charge a fee of 4 yuan per sum, and the previous rate of 2 yuan. In addition, the deep development of the pay card and gold customers temporarily do not charge the handling fee, but in addition to the card customers to pay a fee of $2 per sum.　　Currently can enjoy the "free lunch" only everbright, people's Livelihood and Huaxia Bank, but the cardholder can only enjoy the first 2 to 3 free amount of money per month. In the interview, the reporter found that the banks to improve the fee standards have full of the bitter, many banks said that only 4 yuan to pay no loss, the rest will be paid. "According to the provisions of each of the cross-bank withdrawals, there are 3 yuan by the agency to take away, there are 0.6 yuan UnionPay service fee, if it is two yuan to pay nearly half of the cost." "A joint-stock Bank of the relevant officials explained to reporters. In this connection, the reporter also inquires into the implementation of the "China UnionPay Network bank card Interbank Trading Income distribution Method" (hereinafter referred to as the "distribution Method"), which has a clear provision for this proportion.　　However, in the 4 yuan handling fee, the card issuing bank can still earn a 0.4 yuan difference in each handling fee to remove the cost. The reasonable fee of the public should be below 1 yuan for the citizens who have been deducted from the bank fees by the banks, the increase of the cross-bank withdrawal fee is only a link of the bank's free charge.　　From the Phoenix survey results, more than 50% of users in each month to have 1 to 5 times of the cross-bank withdrawal experience, the impact of the increase in fees more obvious. As with the results of previous interviews, the majority of the people of the bank to increase the rate of cross-border withdrawals, the proportion of the rebound is strong, Phoenix survey more than 70% netizens expressed opposition, and that this is "with the people for profit." Mr. Liu, who works for a foreign company, says that his salary card is a unified bank card,And there is no CCB around their home, each time need to use money when the basic is across the bank withdrawals, but I did not pay attention to the issue of charges: "At least in the bank I used the ATM machine, never seen any of the interbank payment standards, if any, I will pay attention to some of the time, For example, increase the amount of cash each time or try to find a peer machine to withdraw money. And reporters yesterday also visited the Tianhe near the Agricultural Bank, the broad distribution, construction Bank and the bank, found that in addition to the wide distribution because of the early July to increase the proportion of cross-border withdrawals and posted notices, other bank outlets are not see any of the various business fees announcements or hints.　　If you want to know the charges of the business, you must personally ask the Account manager, but also the bank's customer service, customers can query through the bank's web site, but this for many customers in the network business, real-time online query is not high feasibility. In addition, the majority of the public also questioned the amount of bank charges.　　Phoenix survey shows that, in addition to nearly 60% netizens believe that should not be charged, in the survey of netizens, and only a few people can accept more than a point of more than 4 yuan fee, most of the 1 yuan per stroke is the most reasonable. Expert four questions torture bank fee Mechanism reporter inquires the central Bank website Discovery, as early as in 1999, 2001, the central bank issued two times about the bank to withdraw the settlement method. 1999, the provisions of the ATM machine in the same city across the transaction agent fee of 4.5 yuan per pen, network service fee of 0.6 yuan per pen (off-site for each 5.1 yuan and 1.2 yuan). 2001, the provision was further modified, ATM cross-bank withdrawal fees using fixed proxy line revenue. For cardholders in his bank ATM processing transactions, regardless of the same city or offsite, card issuing bank should be 4 yuan per sum of the standard to pay agency fees.　　The Exchange Centre charges a network service charge to the Agency for a standard of no more than 0.7 yuan per transaction. The distribution scheme, introduced in 2004, provides for a new card holder in his bank ATM machine successfully handle withdrawals, whether in the same city or offsite, the issuing bank in accordance with the standard of 3.0 yuan per sum to the agency to pay agency fees, at the same time, according to the 0.6 yuan per payment of the standard to pay the network service fee.　　And this has become the current bank to charge the final standard of interbank withdrawal fees.　　Although there are regulatory authorities, bank charges become reasonable compliance, but there are industry experts on the bank's fees to raise new questions: In the cost of pressure to consider can be charged, but over the years, the cost of bank charges and price accounting has not been publicly demonstrated, so that the rationality of the charges are greatly reduced.　　Why is 2 yuan limit cancelled? Judging from the previous regulations of the fee standard, the regulatory authorities stipulate only the fees that the issuing banks must pay, rather than the banks ' standard of charging customers. However, the two regulations in 1999 and 2001 have a clear limit on the fees charged by banks to customers. For example, the 1999 provisionsOn the marked "cardholder in his card city, each transaction fee is not more than 2 yuan, cross the act of 2 Yuan + withdrawal amount of 0.5%-1% (determined by the issuing bank); In order to promote the development of bank card business, to cultivate the cardholder's awareness of using cards, The card issuing bank shall provide the cardholder with 3 free withdrawals of the same city on a monthly basis. The 2001 provisions were simplified, but also marked "considering that a significant portion of debit cards are currently used to pay wages, to further promote the use of bank cards across the line, taking into account the cost of service of each commercial bank, the card issuing bank to the cardholder to withdraw money whether the charges, by the headquarters of the commercial banks to determine independently, but regardless of the same city or offsite,　　The maximum handling fee for each withdrawal shall not exceed 2 yuan.　　However, this restriction was cancelled in the 2004 distribution scheme, but the relevant regulatory authorities did not explain it.　　Is the price increase justified?　　From the 4.5 Yuan in 1999, 2001, 2004 of 4 Yuan, the same city, the standard of cross-bank withdrawals fees are also changing, but the regulatory authorities in the past few years did not publicly explain the pricing process. In this regard, the bank insiders explained that UnionPay has the cost of network laying, the banks for ATM equipment, maintenance costs. In this respect, Guo Tianyong, director of the China Banking Research Center at the Central University of Finance and Economics, said, "whether the price rise is reasonable or not is the key to a rigorous argument." Whether it is 2 yuan or 4 yuan, should not only be the settlement price negotiated by the banking industry, but should be closely demonstrated by the relevant regulatory bodies, or by the Third-party agencies to make independent assessment of the adequacy of fees. "Since the cost can be calculated across the line, why not to external publicity?"　　Train tickets, scenic spot ticket price changes are to hold hearings, and related to each ordinary people's daily financial activities of the bank charges, but never held the relevant hearings, and even the accounting publicity are not, is the oversight department negligence or the loopholes in the system is worth pondering.　　Should 0.4 yuan spreads be charged? According to the allocation method, the issuing bank will pay the agency fee according to the standard of $3.0 per sum, and pay the network service fee to UnionPay at the standard of 0.6 yuan per sum. It shows that the cost of each cross-bank withdrawal transaction is 3.6 yuan, while departmental banks, including four lines, charge a cost of 4 yuan for the business. Although the difference is only 0.4 yuan, the benefits can be quite substantial. According to ICBC this year's quarterly disclosure of data, the number of its national card issuance has reached 295 million, if each card to do a single year of the same city across the bank to calculate the money, the price difference of 0.4 yuan can bring it 120 million yuan of income. But also has the bank industry personage discloses, since last year, the Consignment fund, the insurance and so on business income has a certain shrinkage, increased the bank intermediary business income pressure. Although the contribution of the Trans-bank withdrawal fee is not comparable to the consignment product, it is also a considerable income for the bank. However, according to the CBRC issued the "Commercial Bank service chargesAdministrative interim measures, the interbank withdrawal fee is the market adjustment price, the specific charges are made by the bank, so it is not illegal to collect more than 0.4 yuan.　　Can the contract be changed unilaterally? In addition to questioning the pricing mechanism, some in the legal profession argue that commercial banks ' own decision to raise fees is also contrary to contract law. According to the 39th article of contract law of the People's Republic of China: where a form clause is used to enter into a contract, the party providing the form clause shall follow the principle of fairness in determining the rights and obligations between the parties and take reasonable measures to draw the other party's attention to the exemption or limitation of its liability, and to explain the clause in accordance with the requirements of the other party. 40th article: ... If the party providing the format clause relieves its responsibility, aggravates the other party's responsibility and excludes the other party's main rights, the clause shall be invalid. Therefore, if the bank's interbank withdrawal fee increases, must obtain the consent of the depositor, otherwise the contract modification does not have the legal effect. However, commercial banks for the increase in fees and charges for the improvement of the standard, mostly unilateral modification of format contracts.　　In practice, this modification is valid only for depositors who have subsequently contracted the contract, and cannot have any legal effect on previous depositors. Phoenix Poll Poll Number: 11886 people A. The frequency of your withdrawals every month is 1 times 3435 votes 28.9% 2.1-5 times 6540 votes 55% 3.5 times more than 1911 votes 16.1% B.atm after the bank withdrawals, will you still be able to withdraw money across the bank? 1. No, I don't have a habit of crossing withdrawals. 3564 votes 30% 2 , the withdrawal fee increase can accept 186 votes 1.6% 3. Try not to cross the line, but in a hurry with the money, except 8136 votes 68.5% C. What do you think of the cross-bank withdrawal fee increase by 1. Understandably, bank ATM operating costs are really too big 342 votes 2.6% 2. Do not support, can not allow users to pay for the bank cost 3342 votes 25.7% 3. Against this is the monopoly industry with the people for the benefit of 9201 votes 70.8% 4. Bad say 105 0. 8% D. What do you think of the ATM cross payment? 1. Should not be charged 6954 votes 58.5% 2.0-1 yuan per 2670 votes 22.5% 3.1 to 2 yuan per 2004 votes 16.9% 4.2-4 yuan per 168 votes 1.4% 5.4 Yuan 90 votes 0.8% each Banks across the bank ATM withdrawals cost banks in the same city across the line ATM withdrawals across the bank ATM withdrawals 4 yuan/pen 4 yuan +1%* withdrawal amount, capping 50 yuan Construction Bank 4 yuan/pen 4 yuan +1%* withdrawal amount of ABC 4 yuan/pen 4 yuan +1%* withdrawal amount of Bank of China 4 yuan/pen 4 Yuan + 10 Yuan = 14 yuan/The Bank of communications 2 yuan/pen 2 yuan +0.8%* withdrawal amount, the most3 RMB Merchants Bank 2 yuan/pen 2 yuan +0.5%* withdrawal amount, the minimum of 5 yuan Everbright Bank monthly first two free, the third 2 Yuan 4 Yuan +1%* withdrawal amount of 2 yuan/pen, the province outside the 0.5%* withdrawal amount, Pudong Fat Bank 2 yuan/pen minimum 3 yuan, capping 50 yuan Minsheng Bank monthly before three free , the fourth and later 2 Yuan/pen 2 yuan +0.3%* withdrawal amount, minimum 5 yuan, capping 50 yuan wide development of the first three free of charge, the fourth and after 4 yuan/pen 4 yuan/pen deep development of 2 yuan/pen, on behalf of the Payroll card and gold free 2 yuan +0.5%* withdrawal amount, the lowest 5 yuan, capping 50 yuan Huaxia Bank every day The first free, second and later 2 Yuan/pen 2 yuan/pen Societe Generale 2 Yuan/pen 2 yuan/pen