本文選題：商業(yè)銀行 + 商業(yè)銀行收費(fèi)��； 參考：《鄭州大學(xué)》2015年碩士論文

【摘要】：隨著市場(chǎng)經(jīng)濟(jì)的發(fā)展,各大商業(yè)銀行均逐步確立了自己的服務(wù)收費(fèi)權(quán),向金融消費(fèi)者收取服務(wù)費(fèi)用,一方面是為了彌補(bǔ)成本,另一方面是為了提高服務(wù)水平,這是我國(guó)商業(yè)銀行深化金融改革,與國(guó)際商業(yè)銀行接軌的重要舉措。由于商業(yè)銀行服務(wù)收費(fèi)范圍日益擴(kuò)大,《商業(yè)銀行服務(wù)價(jià)格管理辦法》已經(jīng)在2014年出臺(tái),相比《商業(yè)銀行服務(wù)價(jià)格管理暫行辦法》,其內(nèi)容更為豐富,要求更為詳細(xì)。新的《辦法》則將商業(yè)銀行定價(jià)劃分為政府指導(dǎo)價(jià)、政府定價(jià)和市場(chǎng)調(diào)節(jié)價(jià)三類,增加了政府定價(jià),并且在制定主體等方面有了一些改變,使得商業(yè)銀行服務(wù)收費(fèi)價(jià)格更加合理,程序更加公正。雖然《辦法》的出臺(tái)在一定程度上加強(qiáng)了我國(guó)法律對(duì)商業(yè)銀行服務(wù)收費(fèi)價(jià)格的規(guī)制,但是金融業(yè)發(fā)展速度非常迅速,修改后的《辦法》依然不夠完善,并且存在不合理之處,還需要進(jìn)一步修改完善。除了相關(guān)法律法規(guī)不夠完善以外,目前我國(guó)對(duì)商業(yè)銀行服務(wù)收費(fèi)的法律規(guī)制還存在立法體系混亂,現(xiàn)行法律規(guī)定不合理的問題。法律與規(guī)章對(duì)商業(yè)銀行定價(jià)權(quán)主體資格問題的規(guī)定互相矛盾,部門規(guī)章忽視了人民銀行的政府定價(jià)主體作用。同時(shí),商業(yè)銀行的自主定價(jià)權(quán)過于寬泛,對(duì)定價(jià)程序的規(guī)定也不夠合理。除此之外,在對(duì)商業(yè)銀行服務(wù)收費(fèi)本身規(guī)定不夠健全合理的同時(shí),我國(guó)相關(guān)法律法規(guī)對(duì)金融消費(fèi)者和弱勢(shì)群體的保護(hù)制度也不夠完善,缺乏對(duì)金融消費(fèi)者和弱勢(shì)群體的特殊保護(hù),這些都造成了我國(guó)商業(yè)銀行服務(wù)收費(fèi)的混亂,損害了金融消費(fèi)者的利益。針對(duì)上述問題,我們可以參考借鑒境外發(fā)達(dá)國(guó)家和地區(qū)的商業(yè)銀行收費(fèi)制度,比如美國(guó)、英國(guó)和香港等地,吸取他們的相關(guān)經(jīng)驗(yàn),結(jié)合我國(guó)的實(shí)際情況,完善我國(guó)對(duì)商業(yè)銀行服務(wù)收費(fèi)的法律規(guī)制。首先,我們要建立一個(gè)完善的商業(yè)銀行服務(wù)收費(fèi)法律體系,將政府指導(dǎo)價(jià)制定引入價(jià)格聽證程序,規(guī)范市場(chǎng)調(diào)節(jié)價(jià),同時(shí)健全商業(yè)銀行服務(wù)收費(fèi)爭(zhēng)議解決機(jī)制。其次,要通過法律法規(guī)加強(qiáng)對(duì)消費(fèi)者和弱勢(shì)群體在金融服務(wù)中合法權(quán)益的保護(hù),主要是完善金融消費(fèi)者權(quán)益保護(hù)法律體系,構(gòu)建商業(yè)銀行服務(wù)收費(fèi)的社會(huì)弱勢(shì)群體法律保護(hù)制度。最后要完善現(xiàn)行商業(yè)銀行服務(wù)收費(fèi)法律規(guī)定,嚴(yán)格限制商業(yè)銀行自主定價(jià)范圍,完善服務(wù)收費(fèi)定價(jià)程序。
[Abstract]:With the development of the market economy, each major commercial bank has gradually established its right to charge fees for its services to financial consumers. On the one hand, it is to make up for the costs, on the other hand, it is to improve the service level. This is our country commercial bank deepens the financial reform, with the international commercial bank the important measure. As the scope of commercial bank service charges is expanding day by day, the "Commercial Bank Service Price Management method" has been issued in 2014, compared with the "Commercial Bank Service Price Management interim measures", its content is more abundant, the request is more detailed. The new "methods" divide the pricing of commercial banks into three categories: government guided prices, government pricing and market adjustment prices, increasing government pricing, and making some changes in the formulation of the main body, etc. Make the commercial bank service charge price more reasonable, the procedure is more just. Although the introduction of "measures" to a certain extent strengthened the regulation of the price of commercial bank services charges, but the financial industry is developing very quickly, the revised "measures" are still not perfect, and there are unreasonable places. Further modifications and improvements are needed. In addition to the relevant laws and regulations are not perfect, the current legal regulation of commercial bank services charges there is confusion in the legislative system, the current legal provisions are unreasonable. The regulations and laws on the qualification of the subject of pricing power of commercial banks contradict each other, and the departmental regulations ignore the role of the government pricing subject of the people's Bank of China. At the same time, the independent pricing power of commercial banks is too broad, and the pricing procedures are not reasonable. In addition, while the regulation of commercial bank service charges itself is not sound and reasonable, the protection system for financial consumers and vulnerable groups by relevant laws and regulations of our country is also not perfect enough. The lack of special protection for financial consumers and vulnerable groups has led to confusion in the charging of commercial bank services in China and has harmed the interests of financial consumers. In view of the above problems, we can draw reference from the commercial bank charging systems of overseas developed countries and regions, such as the United States, the United Kingdom and Hong Kong, draw on their relevant experience and combine the actual situation of our country. Perfect our country to commercial bank service charge legal regulation. First of all, we should establish a perfect legal system of commercial bank service charges, introduce the government guidance pricing into the price hearing procedure, standardize the market price adjustment, and improve the dispute settlement mechanism of commercial bank service charges. Secondly, it is necessary to strengthen the protection of the legitimate rights and interests of consumers and vulnerable groups in financial services through laws and regulations, mainly to improve the legal system for the protection of the rights and interests of financial consumers. Construct the legal protection system of the social vulnerable group of the commercial bank service charge. Finally, it is necessary to perfect the current legal provisions on service charges of commercial banks, strictly limit the range of independent pricing of commercial banks, and perfect the pricing procedures of service charges.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.281

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