Research On Our Coountry Commerical Bank Monopoly Law Regulation Problem

Functions of commercial banks through payment intermediaries, financial services, and to regulate the economy plays an important role in the economic development. In recent years, with the continuous development of China’s economic level, the commercial banks charge consumers exorbitant fees increase unreasonable trading conditions in the business requirements for the loan business behavior, not only violate the rights and interests of consumers, and reduce the competitiveness of the commercial banks.Before the enactment of the anti-monopoly law,"Although China has promulgated a number of laws and regulations regulation of monopolistic behavior of commercial banks, but no actual effect. After the promulgation of the AML, still could not change the situation. This article on the basis of the commercial banks monopolistic behavior conducted analysis of, combined with China is now the commercial banks monopolistic behavior regulated status quo and learn from other countries regulated experience of commercial banks, can commercial banks monopolistic behavior of the regulatory system proposed there The value of the recommendation.This paper is divided into four parts.The introductory section outlines the background and significance of the topic, the academic study this problem present situation and the purpose and methods.The first part is the overview of the monopolistic behavior of commercial banks, this section describes the concept of the monopoly of commercial banks, commercial banks monopolistic behavior performance, and monopolistic behavior, and finally pointed out the dangers of monopolistic behavior.The second part of the status quo and lack of of monopolistic behavior Regulation of commercial banks in China. This section points out the monopoly behavior regulation shortcomings of commercial banks in China, antitrust regulatory agencies but lack effective functions.Lack of accountable system of legal norms to regulate the monopolistic behavior of commercial banks, but the lack of sanctions force commercial banks monopolistic behavior. Only in the know in order to find a solution on the basis of insufficient regulation.The third part is the revelation of the foreign monopoly regulation of commercial banks. Analysis of the legislation and law enforcement agencies to regulate the monopolistic behavior of commercial banks, the United States and Japan, we can get some inspiration on the set of legislation and law enforcement agencies, concluded national conditions, summarizes the applicable experience.The fourth part is the regulation of monopolistic behavior of commercial banks to make some suggestions. Respectively, starting from the perfection of the legal system and the integrity of law enforcement agencies, as well as compensation to the interests of consumers in three aspects, give specific recommendations on the regulation of commercial banks monopolistic behavior.