浅析商业银行收费的法律规制

Analysis of Legal Regulation of Commercial Cank Charges

商业银行收费已成为商业银行的一项主要收入来源,但由于相关立法不健全、监管不到位、收费不透明等原因,目前商业银行收费仍存在诸多问题,且由于与公众生活息息相关,因而公众对商业银行收费的关注热情有增无减。本文主要讨论当下银行收费存在的法律问题,并提出相关可供参考的建议完善我国商业银行收费制度,促进我国银行业持续健康、繁荣发展。

The charge of commercial banks has become a major source of income in commercial banks, but because the relevant legislation is not perfect, the supervision is not in place, the charges is opaque and other reasons. Many problems still exist in the current commercial bank charges, and because it is closely linked with public life, the public continues to pay much attention on the charge of commercial banks . This paper mainly discusses the legal problems existing in the current bank charges, and puts forward some suggestions for reference to perfect the charge system of commercial banks in China and for the promotion of the continuous health and flourishing development of banking industry in China.