银行服务收费的法经济学分析

Bank servince fee collection’s legal economics analysis

银行对服务进行收费有其深刻的经济学原因,但对银行服务收费应当进行法律的规制,其法经济学原因在于银行服务收费市场存在市场失灵的现象。针对造成市场失灵的不同原因,应当建立相应的法律制度进行规制。我国对银行服务收费规制的缺陷在于对消费者保护方面的不足。

there is deep economics reason of banks’ charging on services, but there should be legal regulations on bank service charges and the legal economics reason lies in that the bank service charges market exists the phenomenon of market failure. Aimed at different reasons that cause market failure, corresponding legal systems should be established to regulate. The defect of our country’s regulations on bank service charges is the insufficient protection to consumers.