商业银行服务收费法律规制分析-法律专业论文.docxVIP

万方数据 万方数据 Abstract With the development of market economy, each big commercial Banks have gradually established its own services, the transferor to financial consumer service fee, on the one hand is to make up for the cost, on the other hand, in order to improve the service level, this is Chinas commercial Banks to deepen financial reform, and the important measure of the international commercial bank. Due to an expansion of the scope of commercial bank service charge, the Measures for the Administration of the Commercial Bank Service Price has been introduced in 2014, compared with the Interim Measures for Commercial Banks Service Price Management, its content is more rich, more detailed requirements. New Method will be priced commercial bank is divided into three classes of the government-set and guided prices and market regulation, increased the government pricing, and in such aspects as policy makers have some change, makes the commercial bank service charge price more reasonable, more justice program. Although the policy of Method to a certain extent, to strengthen the service price regulation law of commercial Banks in China, but financial industry development speed very quickly, the revised Method is still not perfect, and there is not reasonable, need further modification. In addition to the imperfection of the relevant laws and regulations, at present our country legal regulation for commercial bank service charge in existing legislation system chaos, the existing problem of the unreasonable legal provisions. Laws and regulations to the problems of commercial banks pricing power subject qualification regulations contradict each other, department regulations and ignored the government of the peoples bank of pricing principal role. At the same time, the independent pricing power of commercial Banks is too broad, regulation of pricing procedure is not reasonable. In addition, the commercial bank service charges itself was not enough sound reasonable at the sam