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我国商业银行服务收费监管法律问题分析论文
Abstract
It has been ten years since „The Interim Measures for the Administration of the
Commercial Bank Service Charging‟ issued in 2003 to „Measures for the
Administration of the Commercial Bank Service Charging‟ published in February
2014. Among these years, social doubts caused by the nonstandard charging of
commercial bank service have never decreased. The behaviors that damage the lawful
rights and interests of consumers occur frequently. Therefore, methods of value
analysis, document investigation and comparative research are used in this paper to
legal issues related to the commercial bank service charging suggestions are put
forward at last.
Besides the foreword, this text divides chapter four together.
The first chapter introduces necessary of the supervision of the commercial bank
service charging. And the necessary is proved from theory and reality. Based on
theories of Market Failure, Public Interest and Legal Lag, this chapter believes that
the appropriate supervision of the commercial bank service charging is significant to
protect the lawful rights and interests of consumers and promote the sustainable
development of commercial banks.
The second chapter states the present situation and problems of the supervision
of the commercial bank service charging. Firstly, the present situation of the
supervision of the commercial bank service charging is analyzed. And then many
problems exist in the fields of legislation, system and the protection of consumers of
the supervision of the commercial bank service charging.
The third chapter investigates extraterritoriality of legislation in the supervision
of the commercial bank service charging.
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