Debit Card Fees Of Legal Analysis

With the development of economic reform and fully opening the banking industry to international market, the management concept of commercial bank has been changed dramatically in China. To make the maximum profits has become commercial banks' prime objective. In order to improve profit structure and enhance profitability, it is of necessity for commercial banks to choose bank debit card charging service instead of free one. That is to say, it is time for banking industrial to say goodbye to "final free lunch" and enter into a new era of charging service. Banks to provide quality services to customers at the same time charge a fixed fee, is the development of intermediary business, the expansion of effective channels for the right way. Debit card services from free to fee and service charges, turning in some reasonable behavior, will naturally be the subject of debate.This article is about the debit card charges to explore the rationality of the article. Ideas for writing this article: Why debit card fees, debit card fees What is the focus of controversy, debit card fees how to resolve the dispute. In this paper, by the introduction, the main, three-part conclusion. The main body consists of three parts. PartⅠ: on the debit card fees arising from the background. In introducing the concept of debit card, based on an analysis of both pre-fee debit card background, and analyzed the background of the current charges, a combination of domestic and international factors to consider and answer why the debit card charges. PartⅡ: on the debit card charge disputes. To debit card charges an annual fee, small account management fees, cross query, for example, analysis of debit card charges that exist in a number of unreasonable fees and charges to answer the debit card what is the focus of controversy . PartⅢ: on the debit card fees legal solution to the dispute. From legislation, law enforcement, the legal regulation of a three-pronged analysis of both the legislative level in the main based on the Bank to improve the law, and the main consumer-based legal system; In law enforcement level, the information disclosure system that debit card charges for the importance of dispute resolution, mainly requiring banks to strictly enforce the "price of commercial banking services Interim Measures for the Administration" in the information disclosure system and the "approach to information disclosure of commercial banks", at the same time disclosure of information with reference to the international system, to further standardize the information disclosure system; in legal supervision, the need for People's Bank of China, Banking Regulatory agencies, the price management department, the China Banking Association, the consumer protection oversight organizations, and gradually melt into the legislative system of international supervision.Innovation of this article is: Although the debit card fees arising from litigation arguments and repeatedly press coverage, but the debit card charges for a legal solution to the dispute system to the results of research is still rare in China.