How banks ' fees soared

Ma Guangyuan recently in Guangzhou, Shenzhen, Nanjing and other areas have media reports, in these cities, some banks of ATM with the city across the bank to withdraw fees from 2 yuan to 4 yuan.　　For the reasons for the increase in fees, the industry's most explanation is nothing more than two points: first, with international standards, the second is rising costs. We recognize that foreign banks do also charge on some projects, and the cost is not lower than the domestic, but the premise is that Europe and the United States and other countries in the full competition in the industry to survive, in raising costs at the same time, its services must be equivalent, otherwise, will be eliminated. And the Chinese banking business has been in a semi monopoly state, for ordinary people, it has little choice.　　In the case of inadequate competition and incomplete service, the only way to raise the price of a swarm is to monopolize it. It can not be ignored that the domestic bank action to increase the intermediate cost, there is a background is the domestic implementation of a moderately loose monetary policy so that the bank's income margin is greatly reduced, the purpose of raising fees is to make up for the decline in profits. Taking a state-owned bank as an example, it realized after-tax profit of 111.2 billion yuan in 2008 and became the most profitable bank in the world. But in 2009 its after-tax profit was RMB 129.4 billion, which grew only 16.3% from 2008, and nearly half as much as 35% in 2008, with the biggest reason for the big drop in spreads, such as the implementation of monetary policy such as interest rate cuts. As a result, the bank began desperately to increase intermediary business income, selling funds, insurance, credit card, customer fees have become its main means of insuring profits.　　Moreover, it must be pointed out that the bank rose across the line to withdraw money, its target is entirely personal customers, the people to deposit, withdraw money, the bank to profit spreads, to run some business you have to multiply the fees, there is no monopoly, the bank where there will be so emboldened. It must be pointed out that China's banking industry can have a good situation today, the taxpayer to bear the cost of restructuring is the biggest reason, no taxpayer over and over again to divest trillions of of non-performing assets, to pay for banking, can have today's world a solo show brilliant? In a situation where many businesses rely on state policy to be monopolized by the Chinese banks, commercial banks are called commercial organizations, in fact, the nature of public goods, but also the social responsibility, the service of individual customers embodies more public welfare, for the stability of the bank's profits to increase the target to the ordinary people's head, not only will not enhance its competitiveness , more difficult to escape the questioning of justice. (according to the Beijing News, abridged)