It's a tangle of charges.

This reporter Jintao the end of free lunch, bank charges such as snowball in Hangzhou Stadium on the road to a city-level public institutions work of the white-collar Siping, is the ATM machine across the bank to increase the fees of the "victims." Pay Card is ICBC Peony smart card, home is the CCB, Guangdong Bank's business outlets. So, almost every month, Scotty to the ATM machine across the bank to withdraw money. After the price increase, she spends half of her monthly fees. Scotty said: "To tell the truth, this fee can also afford, but the bank said that the rise, even a say hello do not play, after all, the heart is a bit uncomfortable."　　She also said that she was withdrawing money from the ATM to respond to the bank's advocacy, reduce the pressure of the line of Business window, did not want to make a bank to earn more. ATM machines in the same city across the bank withdrawals fees, is only one of the many charges in the banking project. In recent years, along with the rapid development of the banking industry, the procedure fee is like Snowball rolling big. Since March 2004, the bank card opened 10 yuan/Zhang Ying fee, in more than 5 years, more and more free lunches have been terminated--bank customers have experienced small account management, Cross-border withdrawals, cross-border inquiries, SMS services, loss reporting, card repair and many other business from free to charge process. Statistics show that the 2003 "Commercial Bank service price management interim measures" when the introduction of the bank's service items but more than 300 kinds, but today, the service has more than 3000 kinds of projects. Among them, there are many controversial charging items.　　Recently, the reporter specifically to Hangzhou, some commercial banks made a survey. When you are out of town, how much does it cost to get money from a bank counter? Many people may not know this question. Reporter investigation found that the bank charges vary widely, the cheapest banks up to 20 yuan, and some banks can receive the highest 500 yuan, a full difference of 25 times times! In the past, the banks to the foreign counterparts to withdraw the charges are mostly in unison, generally according to the transaction amount of 1% charge, the highest 50 yuan ceiling.　　Recently, after some banks led the price hike, many banks have followed suit to raise the ceiling to 100 yuan. In addition to long-distance peer withdrawals fees, some of the larger gap between the fees and charges-small account management fees. At present, the majority of banks to the daily balance of less than 500 yuan deposit account, a monthly charge of 3 yuan management fee.　　Among them, the most expensive Chinese banks, the average daily balance of less than 10,000 yuan account monthly charge of 5 yuan. U shield charge.　　At present, all banks for the network bank customers are commonly known as the U-shield electronic key, but the charges vary greatly, the cheapest as long as 25 yuan/, the most expensive is 100 yuan/A. SMS Reminder fee. SMS notification functions were initially used as a free service for banks, but then banks began charging.　　At present, most banks charge 2 to 3 yuan a month, the cheapest bank is 1 yuan a month, the most expensive is 4 yuan per month. Loss of credit card fee. From the charges of banks, bank credit card loss from 20 yuan to 80 yuan. Among them, the lowest loss is the industrial and commercial Bank Peony card, the charge is 20 yuan, the highest is the double currency card of the GF Bank, for 85 yuan. Bill Printing fee. This is the recent "popular anger" larger and more disorderly charge standards of a fee.　　China Merchants Bank does not charge for printing bills for one year, and some banks waive printing fees for 1-3 months of bills; most banks charge a higher fee for printing previous years ' bills, the highest of which are printed for 3 years and above, with a charge of 100 printing.　　...... In fact, it is not the same thing when domestic banks are being cross-examined for new fees or price increases, they often take "international standards" as their origin. Indeed, many countries and regions of the banks are charging, from the absolute amount of fees, most of the overseas banks ' fees are probably higher than the domestic section. But it cannot be a "shield" for domestic banks to charge or even violate fees.　　In fact, the difference between Chinese and foreign banking charges is very big. The overseas bank's charge standard is higher than the domestic false, but its charge standard is more refined, also is more humane. That is, the offshore banks to carry out a tiered fee, according to the customer level of different charges. Simply put, the rich class, middle class and ordinary wage-earners are not the same, the rich class is usually at the most expensive private banking level charged with high management fees and service charges, the middle class is based on the VIP standard, while the average wage-earners at the lowest standard fees or simply free.　　More importantly, there are a lot of free projects for offshore banks, especially for the elderly, minors and special groups receiving social assistance. In a provincial enterprise, the chapter has been sent to Seoul, South Korea exchange work for two years. As a result of business needs, she often needs to deal with local banks, the Korean Bank's quality service is impressive. According to her, the Bank of Korea also to the ATM interbank withdrawals fees, usually according to customer grade and different withdrawals time to set different fees, the cheapest 800 won (about 4.5 yuan), which is similar to the standard after the domestic bank prices. And the domestic banks are other, the vast majority of South Korea's banks will provide customers a few times a month free withdrawals, the largest number of banks have 5 times, at least 3 times, more than the free number of charges after the line.　　And Korean banks are very respectful of customers, if the withdrawal charges, to the last program, ATM will prompt the payment of the money across the bank, only the consumer confirmed agreed to pay, before entering the final implementation procedures. In addition, the Korean bank's free projects are significantly more than domestic banks. Zhang Li said, now domestic banks a lot of charges in South Korea are not, such as bank card cost, annual fees, loss reporting, bills printing fees, such as password reset fee, note-money and so on is unheard of.　　On the contrary, the service of Korean banks is very thoughtful. According to Zhang Li, because of financial work, at home, every day to the bank to pay. While in Korea, it was easy. Because the banks there will send special "action tellers" every day to collect money for those who do not have time to pay for the bank,And does not charge a service charge. These tellers are very dedicated, many merchants daily contributions will have a large number of zero banknotes, points and carry very inconvenient, but the cashier will be patient points, sorting well, and then register, and then open a good deposit invoices, people are very moved.　　Many tellers even have to pay for their money transfer, loans and taxes. Similarly, the service charges of banks in Hong Hong are also fastidious about "reasonable section". Take HSBC, Standard Chartered, East Asia, Hang Seng and other banks to open a savings account for example, if the average balance of the account is less than the specified amount, the bank will charge a certain amount of service charge. Li Zhen, a former president of HSBC's Hangzhou branch, told reporters that HSBC divided depositors into different groups, with less interest rates, and a monthly service charge of $40 per month for savers with a daily savings of less than HK $5000. However, the bank also clearly stipulates the conditions for exemption from fees and charges for elderly persons aged 65 years, minors under 18 years of age and depositors receiving assistance payments.　　This is probably the case with other banks in Hong Kong. Shop can bully customers, the banking circle "small money" as the face of the question of the four, the bank has a natural response: the addition of ATM costs, maintenance and replacement of equipment costs, the issue of such a bank card also need costs, even if the price can only cover costs. At the same time, the Chinese Banking Association is also standing up to bank charges, claiming that commercial banks adjust the ATM interbank charges according to their own cost standards and legal compliance. Zuofu, vice president of China Construction Bank, has flatly denied that there is a monopoly in the Chinese banking industry over allegations of alleged monopoly of bank charges.　　What is the wrong? The head of Zhejiang University Investment and Finance research and Development Center thinks, according to the basic criterion of market economy, the bank has the independent pricing right, but the premise is the banking needs full competition. In fact, the number of domestic banks seems to be many, not enough competition, large banks to take advantage of their own market share of the advantages, it is easy to reach tacit understanding, joint price increases, the public can only be helpless "by the price."　　This is actually a disguised monopoly of the industry, if the full competition, the individual banks can not want to rise on the rise, because once the price increases may face the loss of customers. The Bank circle "small money" behind, reflects its profit model lag of the difficulties. The head of a city commercial bank in the province said that for a long time, the profit of domestic commercial banks depended mainly on "eating" deposit and loan spreads, which was different from the profit model of foreign banks. The foreign bank's intermediary business income accounted for as much as 60% of the total income, while domestic banks only about 20%.　　With the change of regulatory environment, the intensification of market competition and the approaching of interest rate marketization, the traditional profit model of domestic banks is bound to become more and more arduous. He said that, compared with the deposit and loan business, the intermediary business risk is small, high profit, the use of capital is relatively low, but if the banks rely on rising prices to increase the intermediary business income, is clearly trifles. At present, the intermediary business income of offshore banks mainly originates from the higher value-added service, rather than from the simple service of ordinary consumers.。 This is the industry's usual "28 law", that is, 80% of the bank's profits from 20% of high-quality customers to obtain, the remaining 80% ordinary people is not the main target of bank profits.　　Therefore, it is urgent that the bank should actively innovate to open up intermediary business, by increasing the variety, enhance the service high value-added to make "big money", rather than pretexts frequent price to Circle "Penny". Journalist notes breaking Monopoly is the best policy. Zheng domestic banks to raise the number of ATM Cross-border withdrawals in the aftermath has so far not interest. The bank joined forces to raise prices, the people did not know beforehand, and afterwards did not see a bank initiative to come forward to respond to various questions.　　Then someone exclaimed, the common people once again "be price rises". Despite the doubts, banks are stride. Perhaps in the bank's view, the price increase is not improper. The reasons are as follows: first, according to the relevant provisions of the Commercial Bank law, the bank can adjust the price of the handling fee, which is purely market behavior. Second, for customers, the world does not always have a "free lunch", since you enjoy the convenience of cross-border withdrawals, more money is reasonable. What's more, for banks, each of the ATM interbank withdrawals will also lose 1.6 yuan.　　So it seems that rising prices are not only legitimate, but also seem to be a feeling. Interestingly, although the price rises by the construction, industry, China, agriculture and other major banks to take the lead, there are some follow-up bank, but still have a bank to sing "Anti-tune", some small and medium-sized commercial banks said not to participate in price increases, HSBC, Hang Seng and other foreign banks are announced to implement free.　　The move is clearly seen as a "vote with the feet" hope that customers who are dissatisfied with the rising price of big banks can switch to banks that do not raise prices. But it is not easy for consumers to "vote with their feet". The four state-owned banks currently account for about 60% to 70% of the domestic banking market share, and enjoy either bright or dark policy support. Other joint-stock commercial banks, local small corporate banks are mostly small, dot less, foreign banks are weak. Therefore, although the domestic banking industry has introduced the competition mechanism, but the monopoly pattern has not really been broken, the depositor does not have the sufficient choice space. From this level of meaning, the common people to avoid the "price", we need to break all kinds of monopoly as soon as possible, to form a truly orderly and effective competition situation.