The Research Of The Financial Service Charge Of Commercial Banks Of China

Commercial banks have a long history of development, germinated in Italy during the Renaissance, from the needs of currency exchange of trade. With the time passing by, the services provided by commercial banks gradually diversified, management of commercial banks also experienced asset management phase, phase-liability management, asset liability management phases and comprehensive risk management phase. Along with changes in bank management change is the focus of banks and the interests of sources. As the source of profit for Western commercial banks interest income changed from traditional banking services into non-interest income, due to the charge for the services business often takes less bank capital, the risk is relatively small, to develop this type of business is in favor of banks implementation of a comprehensive risk management.Although the development of China’s commercial banks started late, but due to the fast pace of development, also entered the era of financial services fees. China’s commercial banks service charges after the stage is divided into the initial stages of the financial services fees, finance charges rise phase, the rapid development of financial services and financial service charges fees stages stable development stage. This change is associated with China’s economic reform, financial system development is closely related to changes in the market environment. But along with the development of banking services charges are parties dispute the existence of consumer dissatisfaction with the policy changes in the regulatory agencies are questioning the reasonableness of service charges for bank raised.Business Development Bank of the West has been largely developed in a relatively mature stage in the process of development there are disputes on service charges, but through understanding and comparison of domestic and foreign commercial bank service charges, foreign commercial banks for basic discovery financial services are free of service charges, for high value-added products and services to charge higher fees, and charges for banking services has developed a lot of legal policy for consumer complaints to establish a good protection mechanism. By finishing discovered the existence of commercial banking services,the charge fees are too much and lack of standard pricing mechanism unreasonable risk quantification and regulatory imperfect. From the point of view to study the impact of its commercial bank service charges incurred,identify the problems,I created the model for empirical analysis of different financial services fees for the effects of different commercial banks operating results,obtained in different banks horzontal contrast between the conclusion of financial services for commercial bank to adjust fees provided.The arrival of the era of commercial banking services fees is inevitable, the game between the commercial banks and financial decisions of both consumers not return completely free banking era, nor in order to maximize benefits and excessive charges, which will eventually lead to benefits can not be maximized. Therefore, to the multi-collaboration, by creating a favorable environment for service charges, improve service fee levels, improve the regulatory functions and strengthen cooperative game, and ultimately win.