本文關鍵詞： 反壟斷 銀行收費 壟斷行為 法律規(guī)制　出處：《上海交通大學》2015年碩士論文　論文類型：學位論文

【摘要】：我國商業(yè)銀行提供的服務經歷了從免費時期到收費時期的轉變。隨著現(xiàn)代市場經濟的快速發(fā)展,商業(yè)銀行亂收費現(xiàn)象遭到社會公眾的質疑。按銀行與客戶不同的法律關系,商業(yè)銀行服務收費可以劃分為資產業(yè)務收費、負債業(yè)務收費、中間業(yè)務收費三類。我國商業(yè)銀行收費行為中存在的主要問題是各個銀行間服務收費客觀上沒有明確反映成本差異以及存在強制、捆綁收費行為。商業(yè)銀行實施的兩類典型的涉嫌限制競爭行為,即壟斷協(xié)議行為和濫用市場支配地位行為。針對以上行為進行反壟斷法分析,確認商業(yè)銀行施行壟斷行為除結合反壟斷法上的構成要件進行推論外,還需綜合考慮商業(yè)銀行的行業(yè)特殊性進行判斷。現(xiàn)階段我國商業(yè)銀行應整體適用反壟斷法,沒有規(guī)定特別的適用除外。對商業(yè)銀行收費行為進行反壟斷規(guī)制需以合理原則為基本分析方法。通過反壟斷法規(guī)制銀行收費行為所達到的效果不僅需符合反壟斷法的總體價值取向,還存在獨有價值目標。針對商業(yè)銀行收費行為的反壟斷規(guī)制中存在立法方面和執(zhí)法方面的不足,從強化行業(yè)針對性立法、完善相關市場的界定、明確反壟斷執(zhí)法機構與監(jiān)管機關的管轄權角度提出適合我國國情的商業(yè)銀行服務收費的反壟斷法規(guī)制對策。
[Abstract]:The service provided by commercial banks in our country has experienced a transition from free period to charging period. With the rapid development of modern market economy, the phenomenon of random charging of commercial banks has been questioned by the public. According to the different legal relationship between banks and customers, Charges for commercial bank services can be divided into asset charges, liability charges, The main problem in the charging behavior of commercial banks in our country is that the service charges between banks do not clearly reflect the cost difference and the existence of compulsion. The behavior of binding charge. Two typical types of suspected restriction of competition implemented by commercial banks, that is, monopoly agreement behavior and abuse of market dominant position, are analyzed by anti-monopoly law. It is confirmed that the practice of monopoly behavior by commercial banks should not only be inferred from the constitutive elements of anti-monopoly law, but also be judged by considering the industry particularity of commercial banks. At this stage, China's commercial banks should apply the anti-monopoly law as a whole. There is no special application except. The antitrust regulation of commercial banks' charging behavior should be based on the principle of reasonableness. The effect of regulating bank charges by anti-monopoly law should not only accord with the antitrust effect. The general value orientation of law, There is also a unique value target. There are legislative and law enforcement deficiencies in the antitrust regulation of the charging behavior of commercial banks, from strengthening the industry targeted legislation, perfecting the definition of relevant markets, From the point of view of the jurisdiction of the anti-monopoly law enforcement agency and the supervision agency, the paper puts forward the countermeasures of the anti-monopoly law regulation on the service charges of commercial banks that are suitable for the national conditions of our country.
【學位授予單位】：上海交通大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：D922.294

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