The Service Charging System’s Legal Perfection Of Commercial Banks In China

In recent years, along with the four biggest state-owned commercial banks being listed, the reform of banking administrative separation, the relaxation of financial market access conditions, the entry of foreign banks, China’s banking industry is facing the reform and transformation that never face, banking services charging is one of most the very important change.Our country’s commercial bank service charging has been controversial. There are many problems in legislation, pricing, bank’s charging activities and regulations, which are the reasons why commercial banking services charging has so many problems. Through international banking service charging experience, we get some enlightenment. Bank service charging drawing lessons from international charging practice was not wrong, but it did not study their charging methods and attitudes to consumers. Banking supervision institutions strengthening the bank service charging regulation was not wrong, but the long-term supervision errors and the lack of a clear regulatory direction, thus leading to the conflict of legislation, the conflict of bank charging and regulatory, the conflict of consumer and bank charging. On one hand, we should give commercial banks the power of service charging, on the other hand we have to strengthen the system construction and regulation, so as to defuse charges controversy. According to the main problems of commercial bank service charging, this article will give legal advices from five respects:the perfection of related legislation of service charging, the perfection of the system of information disclosure, the improvement of the pricing system, the improvement of small and medium-sized customers basic financial services, the perfection of the regulation system.