Further controversy over bank fee increases

Reporter Zhang Wenji a few days ago, the Shenzhen region three banks have raised service charges, set off a wave of price hikes, combined with the ICBC announced a number of personal business charges, as well as a few banks in Shanghai has quietly raised some of the business charges, the banking fee increases again become a focus on the price increase of more than 100% Construction Bank, Bank of China, Merchants Bank branch in Shenzhen recently have said that will add new and adjust the price of some services, of which, the cost of bank withdrawals from the original 2 yuan per sum to 4 yuan, doubled a double.　　This increase in the price measures immediately attracted controversy.　　And in Shanghai, a handful of banks are quietly raising fees for some businesses, which have posted letters to customers at outlets. Unlike some banks that quietly raise fees for their businesses, ICBC posted a number of personal charges on its web site late last month, with a big increase in prices and a wide range of business, which immediately sparked public criticism.　　Although ICBC has since quietly removed the notice from its website, the bad effects have been hard to eliminate.　　ICBC, for example, said the bank's announcement in order to provide customers with "better service", the bank will be 21 personal financial business fees to increase the average rate of more than 100%, which closely related to individual customers ATM machine remote deposit and withdrawal of the minimum fees, also from the previous 1 yuan to 2 yuan per sum. In accordance with the new handling fee standards, customers in the future in the remote deposit and withdrawal, the handling fee in accordance with the amount of deposit and withdrawal of 0.5% charge, the lowest 2 yuan per sum, the highest 100 yuan per pen, and the previous standard is the minimum of 1 yuan, the highest 50 yuan.　　At the same time, ICBC also specifically mentioned that individual customers with the ICBC card in different places ATM or self-service terminals for deposit and withdrawal and transfer into the business, handling fees by access and transfer amount of 0.5% charge, the minimum of 2 yuan, the maximum of 100 yuan. Customers in the future to the bank to issue all kinds of certification costs have also increased.　　According to ICBC's new charging standards, the customer issued personal deposit certificate, the processing fee from the original 20 yuan/share up to 50 yuan/; the issuance of personal loan certificate, the processing fee from the original 50 yuan/share up to 100 yuan/, issued personal credit card certificate, the handling fee is also from the original 50 yuan/share up to 100 yuan/share. In addition to personal business, enterprises in the ICBC to deal with the relevant business costs will also be raised.　　According to the latest charges, no charges before the incomplete defaced currency inventory business, in the future, banks will be on the basis of the relevant provisions of the People's Bank of the incomplete defaced currency, 200 (pieces, excluding) The following free, 200 (pieces, including) the minimum of 5 yuan, each additional 100 (pieces) plus 1 yuan. Bank attitude tough customers less than one months in time, then a number of banks to raise business fees, and involves many people in daily life frequently handle business, so many people difficult to accept. Meanwhile, a series of price-raising news immediately sparked controversy among netizens. Some netizens will be directed at ICBC, that "ICBC undoubtedly led the round of banking chargesTide of rising prices. " There are also netizens said: "With international standards is a two-way, now the bank's service has not been followed, service prices have multiplied, very unreasonable." "Another part of the Netizen is that" the bank only announced a price hike, customers do not have any way, alone in this view, the bank has unilateral breach of suspicion. There are netizens angrily said: "Banks such arbitrary price increases, ignoring the people's livelihood, the root cause of the monopoly of the banking industry!"　　Many even speculate whether the financial tsunami has had an impact on the profitability of these banks, forcing banks to make more profits with overcharged business fees. The banks ' response was tougher, insisting that the original charges were lower than the cost and that the price rise was in line with the rules. CCB Shenzhen Branch said that, according to the relevant regulations, the bank charges are divided into government guidance and market adjustment prices. The market adjustment price is unified by each commercial bank headquarters. The charges are the market price adjustment, CCB in charge, has been required to charge the program to the CBRC for the record. This increase in ATM with the city across the line to collect fees is mainly based on two reasons: first, the cost of the bank. The issuing bank pays the agency fee by 3.0 yuan/pen to the agency bank, at the same time pays the network service fee to the UnionPay by 0.6 yuan/pen. In addition, the bank's labor costs, operating costs and so on. In other words, CCB bank card customers each in his bank ATM draw a sum of cash, the cost of the CCB is far more than the previous 2 yuan fees.　　Second, through price means to guide customers holding long card debit cards free use of CCB ATM equipment withdrawals, improve equipment utilization. In the face of the bank, customers are not buying it. Some customers believe that, compared to ordinary consumers, banks are always too strong, unilateral price increases so that the interests of consumers suffer losses. For example, the bank said that the increase in fees is to "improve the quality of service to customers", but apparently the interbank withdrawal fees from 2 yuan to 4 yuan, the banking services in this regard will not be immediately promoted. And when will it be possible to ascend? The information banks have never even disclosed to consumers in the future, so it is hard for consumers to feel respected.　　On the other hand, at present, most consumers go to the bank to transact business, waiting time is too long, such as old problems still exist, the bank before raising prices should first in the promotion of services in the real, under the strength, rather than just stay in the oral, otherwise it is difficult to convince people. Some Shanghai residents are worried, although many banks in Shanghai have not raised prices, some banks also announced the recent lack of plans to raise prices, but if the foreign provinces and cities to set off a wave of price hikes, it is difficult to ensure that the Shanghai region's banks will not follow suit.　　Some people said that the banking industry is not the same as other fully competitive industries, it has a certain monopoly, involving a large number of consumers, so the price should fully consider the consumer's response and endurance, and a price increase should not be too large. Service promotion can not lag the increase in the banking charges, many people think is a symbolic adjustment. Chinese banking Research in Central University of Finance and economicsHeart director Guo said the banks want to be able to make a profit in a variety of ways. As a matter of fact, the cost of banking telephony is also rising, and the capacity and level of banking services have been upgraded, and it is a normal market practice to raise charges appropriately. "But the increase in fees does need to match the quality of service, so that customers get more benefits."　　"Guo said. The people who raise the price of banking business think that commercial banks are enterprises and need to be profitable. Credit card business, bank business, telephone banking, including debit card fees are the value-added business of banks, according to market regulation to determine the price is reasonable. According to the introduction, the banking revenue has three sources, one is the deposit loan interest difference, the second is the intermediary business income, including each kind of handling fee, the charge and so on, third is the capital operation income. For a long time, Chinese banks mainly rely on deposit and loan interest margin. In the long run, increasing the amount of intermediary business is beneficial to the change of the bank's income structure, to promote the strategic transformation and to achieve the target of service profit. Moreover, bankers have pointed out to reporters that in the form of a client's bank card contract, there is almost a statement: The bank has the right to adjust charges according to market conditions of the project and the scope of services.　　Banks to prove that the bank card from free to charge or even adjust fees, beforehand is based on. Some scholars believe that this incident reflects the lack of social responsibility of domestic commercial banks, and do not pay attention to their own image. Most of the banks that led the price rises were large state-owned banks, which, judging from the data already disclosed, are more lucrative.　　ICBC is the world's most profitable bank last year, and these banks should think of a return to society and benefit to the people, rather than a fee, which is hard for people to accept.　　"With the decrease in spreads income this year, the profitability of domestic banks is under pressure, and profits from this loss of business need to be derived from Elsewhere ..." one insider has said that the secret is that, after business receipts have diminished, banks are beginning to "Ask for money" from their clients. Some experts pointed out that the price increase mainly involved in intermediary business. But banks must now change their mindset and not be able to rely on higher prices to reduce costs and gain profits, but to increase service and upgrade levels. If this piece is balanced, the common people will be satisfied. "To improve the quality of banking services, we should adopt two ways: On the one hand, through the banking market competition, consumers freely choose to promote the bank to improve the service level; On the other hand, through the relevant regulation to standardize the bank's obligations and services to consumers, abolish the Overlord clause and the wrong game. "The appropriate fees are understandable," said the experts, "and the crux of the matter is how to improve service levels and make customers feel good value for money after a fee." "The price of banking services does not fall within the national pricing range," the legal profession said. Can be attributed to market behavior, but banks can not engage in sudden price increases, it is best to first through the appropriate way to conduct research, and consumer communication, to some of the projects related to the state of the nation can take the form of hearing; the reasons for raising prices should be made clear to consumers,　　The basis should be fully reasonable. CityPeople told reporters that for the vast number of bank card customers, the first thing to do now is to go home to clean up the bank card, the credit card issuing line service quality of low, not desirable cards are back, if the scale of the banks will naturally realize, and then improve their quality.