商业银行服务收费存在问题与加强监管的建议

Problems of Commercial Bank Service Charge and Suggestions on Strengthening Supervision

随着我国社会主义市场经济的不断发展进步,金融改革进程的不断推进,商业银行经营逐步市场化,对服务收费拥有越来越大的自主定价权,同时也带来许多不规范不合理的服务收费,不少商业银行仍然存在乱收费违规收费、捆绑收费、捆绑销售金融产品等突出问题,特别是在互联网广泛使用的背景下,商业银行收费问题更加隐蔽、更加难监管,这不仅增加企业负担,也影响银行业的健康发展。为促进银行服务收费规范合理,应加强政府监管、强化市场竞争、完善政策制度、引导社会监督等措施。

Along with the continuous development and progress of Chinese socialist market economy, the advancement of financial reform process and the commercial bank operation gradually achieving marketization, the independent pricing power of service charge is more influential. At the same time, it brings a lot of inappropriate and unreasonable service charges. Based on recent information announced by financial regulators and reported by media, inappropriate charges, irregular charges, bundle charges and bundle sales of financial products are still existing in many commercial Banks. The commercial bank charges issue is more concealed and more difficult to be supervised, especially in the context of the widely used of Internet, which not only increases the burden of enterprises, but also affects the healthy development of the banking industry. In order to promote the standard and reasonable banking service charge, measures should be taken to strengthen government supervision, strengthen market competition, improve policies and systems, and guide social supervision.