探析商业银行“收费门”的原因及解决途径

The Cause and Solution to the Event of the Various Bank Charges

商业银行的"收费门"事件是银行乱收费现象的集中表现,该事件的根源在于信息不对称以及私法救济手段的局限性。借助桑斯坦的观点以及私法公法化进程,可以得出政府管制是短期内解决这一问题的有效措施。政府管制的做法可具体化为制定统一的收费标准以及在立法上加强对银行客户的保护。另外,解决这一问题的根本出路在于在银行业中引入竞争机制,竞争机制细化为降低银行的准入门槛,并在银行业中适用市场机制。

The event of the various bank charges is the concentration of the act of banks in collecting lots of fees, the root of this event is that the consumers are lack of enough information and limitations of private law. Through discussing the Sunstein＇s idea and the process of the change of private law, we get to know that governmental regulation is an effective measure in the short term. Specifically, government can make some unified fee standards, as well as strengthening the protection to the bank consumers. While in the long term, we need to apply the competition into the bank field in China, including relaxing the strict standards and applying the marketing principles.