Study Of The Legal Regulation Of The Behavior Of Large Commercial Banks Unreasonable Charges

The bank card has become a very important financial management tool in dailylife. Since the first band card was issued in China in 1985,the bank card business has undergone a rapid development nationalwide, with over 2.1 billion business cards issued by the commercial banks. Therefore, what items would be charged and how much would be charged has tangible benefits to cardholders. The major state-owned commercial banks in China are of key importance in financial market. However, the current major commercial banks make frequently adjustment on services charges, adding service items indiscriminately, which ignores the depositor's right of information, selection and fair trade.Therefore, it is imperative to regulate overcharging behavior by major commercial banks, aiming to balanced consideration of the interests,protecting the interests of depositors and maintaining financial market stability.This paper starts from the implementation of makor commercial banks overcharging behavior, which indicate the reason and purpose of writing this article. The author believes the implementation of makor commercial banks overcharging behavior produces great influence to the financial order as well as depositors, which fall within "AML". The author analyzes from the the legal relationship between major commercial banks and depositors, which draws a conclusion that depositors belong to vulnerable groups, whose rights and interests should be protected.This article is divided into three parts. In the first part, the author discusses the implementation of makor commercial banks overcharging behavior. Then the conclusion is made through the comprehensive analysis of makor commercial banks overcharging behavior, which is the result of insufficient supervision, imcomplete mechanisms and no guarantee for depositors'right of information, selection and fair trade. In addition, the uncertainties of legal requirements about charging also lead to commercial banks failing to abide by uniform regulation.The second part analyzes the necessity of regulating abuse of market dominant position. It explains the current and existing problems from Legislation of fees chargement. Then the author analyzes from the regulation of majorcommercial banks influence of makor commercial banks overcharging behavior and protection the interests of depositors etc. point of views.