Bank Drilling Policy Fees Increased By 30 More Than Half Year

Come out of the policy and get a new start.

Bank arbitrary charges: endless "thief"

"Hello, what can I do for you?" Bank of Communications Customer service representative Asked enthusiastically.

"I would like to ask the unit to let us pay wages. How much is this?" The reporter asked on the phone.

"Yes, it costs 5 yuan, and there must be a unit certificate, otherwise there will be an annual fee of 10 yuan a year."

"OK, thank you."

After finishing the call, the reporter was still confused. Since July 1st this year, the banking industry Financial institution A total of 34 charges have been abolished, one of which includes the account opening and handling fee of the bank's personal savings account. Although the bank has offered free service for opening a passbook, Zhang Xinka will charge if he wants to do it with his passbook. Generally speaking, most people will choose to open a passbook and open a card at the same time. If the bank defines the "account charge" of a personal savings account as the zero cost of the passbook, then the new card will still be charged with the corresponding cost.

A state-owned bank's staff told reporters that banks provide customers with bank cards, they should charge a fee for their work, which is understandable. But what the reporter does not understand is why some banks are able to provide free cards and charge no fees such as annual fees, small management fees and so on. Can banks not have a unified standard?

Loopholes in words

In August 2nd, the national development and Reform Commission disclosed the results of the investigation of bank violation charges, and collected RMB individuals for irregularities in six banks, such as ICBC, agricultural bank, Bank of China, construction bank and two rural credit cooperatives. Account password The notice of loss and loss has been criticized and punished. At the same time, the notice also pointed out that the three banks of postal savings bank and Xingye Bank had postponed the cancellation of the time for the loss of the password of RMB personal account without delay, and it would also be dealt with in accordance with the law.

However, scrutinize the banking sector's "partial free" turmoil, the regulators did not give sufficient bank time. As early as March this year, the Banking Regulatory Commission, the people's Bank of China and the national development and Reform Commission issued the notice on the exemption of some service charges by banking financial institutions (hereinafter referred to as the notice), requiring banking financial institutions to cancel 11 categories of 34 service charges from July 1st this year, including password modification fees and password reset fees.

But at present, banks do not pay enough attention to it. After preheating for more than 4 months, one month after the formal implementation, it was forced to go to the situation that had to be investigated and punished.

In explaining the announcement, most banks complained of "difficulties", indicating that the reason for the illegal fees was the wrong interpretation of the policy, noting that the password revision fee and password replacement fee were noted in the notice, but no loss was made because the loss of password was not mentioned explicitly. But why do we need to understand the spirit of the notice when we understand the spirit of the notice, instead of considering whether it is appropriate to charge the password loss reporting fee in violation of the notice? Will banks be so stupid?

Obviously, the bank is loopholes in the surface language. I charge the password loss reporting fee, and I do not receive the password reset charge. I can't say I'm wrong. Indeed, in the industry view, reset password has its risk cost, and the process is cumbersome to clarify responsibilities. But, at every step of responsibility, banks have not forgotten the charges.

For example, in the notice issued by the Construction Bank on the cancellation of service charges for the refund of customer passwords in August 5th, it is said, "for customers who cannot pay back the original account due to the payment or sale of the cash, ask the customer to report the refund procedures on the basis of the identity card or the password from July 1st to July 5th." However, if the refund link is so cumbersome, will there be any customer not to claim the cost? {page_break}

It is hard to dispel justice.

In addition to hitting the ball on the old items. Some banks have taken up new ideas in other fees. The official website of Xingye Bank has issued a notice that it will charge RMB 3 yuan / household account management fee every 3 months, and the average daily balance of less than 300 yuan (inclusive) will be less than 300 yuan (inclusive) in July 1, 2011. Within 3 months, the daily average balance is more than 300 yuan, or the account which has not been opened for 3 months is not charged.

For example, in June 1st, Everbright Bank announced that from June, the debit card account for the opening of the "personal SMS service" was charged according to the standard of 3 yuan / month. After that, only merchants, banks, Huaxia and Pingan were free of charge in SMS alerting business.

In addition, since 2010, credit tightening has reduced commercial bank's traditional interest rate spreads, and intermediary business revenue has become a profitable growth point for banks. Banks have begun to drastically increase or adjust service charges, zero bank counting charges, interbank cash withdrawal fees, password reset fees, SMS notification fees, small account management fees, printing bills and so on. According to public information, only half a year in 2010, the banking charges increased by more than 30 items.

In this regard, the commercial bank has its own statement, "the service that the customer enjoys is also increasing, most of the services need human and material support, so it is unavoidable to increase the cost." On the issue of fees, the banking industry seems to have been in the right position, and the banking association has even claimed that the more reasonable compliance fees should be. However, how to define "compliance and rationality"? And there is no clear definition of what is the "quality price matching" service item.

A staff member of a state-owned bank who did not want to be named told reporters that as employees, they believed that banks were not allowed to make arbitrary charges. According to the bank's offer of services, you should charge them. Even if the service is free of material costs, there is the cost of human resources for the counters. In addition, for banks to the public business, some fees take into account the bank's comprehensive rate of return. "If we do not charge this fee, then the interest rate that we loan to the enterprise will be higher. In the end, the profit that the bank wants to get is fixed."

Experts say bank charges must be legal.

Nowadays, for the illegal charges that have occurred, the national development and Reform Commission and the CBRC deal mainly with two points: first, to order the refund of fees, and the two is to impose administrative penalties. The cost of such violation is limited to commercial banks. First of all, the refund of the fees that should not be charged will not have any interest effect on the illegal banks. Secondly, the two departments did not disclose the amount of the relevant administrative penalty specifically. In terms of the financial strength of banks, such penalties are obviously not hurt. Once again, the exposure of illegal charges will not constitute a credit damage to the relevant banks. Due to the special status of commercial banks and monopoly of services, after the exposure of arbitrary charges, it is even difficult for banks to feel the pressure of credit damage.

The head of the China Banking Association said recently that it was planning to launch relevant guidelines on improving information spanparency during the year. In this regard, financial consumers hope that their practices should not be "loud and rainy." In July last year, the national development and Reform Commission announced that it had drafted the new "commercial bank service price management measures", which has not yet fulfilled the original "quick release", which puzzled consumers who are deeply troubled by bank service charges. The urgent task is to introduce a "management approach" which reflects the strong protection of consumers' rights and interests, which is more important than the norms in the Banking Association's deliberation.

In addition, some experts say that fees are the distribution and adjustment of interests between banks and depositors. In the process of promoting new businesses, many banks have problems such as opaque information and unreasonable charges. Insiders say that the enthusiasm of banks to fulfill their duty of disclosure to customers is far lower than their enthusiasm for promoting new businesses. With the continuous introduction of online banking, mobile banking and value-added services, the intermediary business revenue of the banks has increased dramatically, but consumers need to have a "clear account".