Yesterday, the China banking regulatory commission and the people's bank of China and the national development and reform commission jointly issued the "measures for the administration of commercial bank service price (draft) said" method "), to solicit comments from the public. Which made it clear that, and people's life of the close relationship between the basic commercial banking services prices, will be guided by the government or government pricing; The price of commercial bank, on its own, football wholesale jerseysformulate, must be "plain code marks a price", guarantee the people's right to know and options.
Poundage, report the loss of STH, fee, etc
In 2003, China had issued the commercial bank service price management interim measures, but in recent years, with the commercial bank financial products is unceasingly rich, and the social public financial service demand rising, its cannot have satisfied the needs of social development and reform. According to the new "method" regulation, commercial bank service price will be separately by the government-set and guided prices and market regulation. Among them, bank draft, promissory notes, checks, nfl jerseys wholesalecredit this transfer and by procuration service etc. Five kind of RMB basic settlement price will be guided by the government or government pricing.
According to the national development and reform commission relevant controller introduces, the above five categories, although it seems that covered a less, but each categories below also contains different segments of the items, such as the cost of handling, and report the loss of STH fee, etc, including the people's life and closely related basic commercial banking services. She also revealed that, a guided by the government and the government pricing some specific items and standards but to adjust, ready to the future and the "method" supporting implementation.
The service price information should be published
According to "method", in addition to the guided by the government or government pricing outside, commercial bank other service adjusted by the market price. The price should by the commercial bank cheque (corporation) to develop and coordinate, and "plain code marks a price".
"Method" in regulation, commercial Banks to increase the service price or to set up the new fees, should to be its regulatory agencies, the people's bank of China and the government price departments report; Meanwhile, on May 31 of each year, the bank will also the department to submit an annual "bank service prices work report, including last year's necessary to clarify that the service charge set, adjustment and the project of the corresponding changes in income, hockey jerseys supply social responsibility.
At the same time, commercial Banks must also through the business premises public, brochures, website public and other channels will service price information inform consumers, including service project, price, guided by the government or government pricing of approval, effective date, consulting (complaint) contact method, etc.
On Thursday, banking regulatory commission (CBRC) has issued a notice, the banking system is not standard management behavior for special treatment. Among them, said banking financial institutions by the end of march this year before announced price service charge according to the requirements and the url complaint call, and from April 1, will be published by the executive fees according to the price.
Emphasizes consumer initiative
It is reported, this "method" in also encourage the units and individuals to commercial Banks illegal price behaviors in the service of social supervision, and made clear a consumer shall have the right to opt out of banking services.
The relevant person in charge of the national development and reform commission said yesterday, "method" in special emphasis on the bank customers have choice and the veto power, so whether accept bank provide service price, the option in the hands of consumers. Commercial bank should also according to the request of the consumer financial, take reasonable and effective measures, to ensure the rights practices.
The bank said yesterday the relevant person in charge of, "method" come on stage and banking system "is not standard management" special management work is not only beneficial to the financial customer rights and interests protection, but also to further regulating the business banking MANNING jersey order.
Related action
The national development and reform commission or will develop bank charges big check
According to people familiar with the "small and medium enterprise from bank financing" become increasing check incentive
Since last year for the banking industry development and reform commission fees examination has continued pyramid. From reporters yesterday authorities place to realize, recent development and reform commission may be in the national bank charges for examination.
People close to the national development and reform commission said that since last year to the national development and reform commission on Banks to increasing fees of check, it also encourages banking regulatory commission to strengthen their own standard industry postings.
In July last year, the national development and reform commission against part of the banking financial institutions charge RMB illegal individual account password report the loss of STH fee to carry out inspections, and citic bank, industrial bank, postal savings bank three head office to a fine of $5.8 million in total.
The people said to reporters, increase the check for the banking industry on the one hand, because the bank fees problem at present is common, consumer opinion is very big, but on the other hand, small and medium-sized enterprises at present from bank financing has become the incentive to step up checks.
At the end of last year, deputy director of the national development and reform commission PengSen in the price supervision and inspection and anti-monopoly work conference, said 2012 years price checks will focus on is a bank to collect fees in disorder, including bank loans in the process of the compulsory charges, fees, bound charges not only services, as well as other various banned fees issue. According to information, directly to the national development and reform commission will send the inspection group, to the 31 provinces in part of large state-owned commercial Banks and national joint stock commercial Banks for key football nfl jersey supply inspection.
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