The Discussion Over The Right Of Charging Commercial Bank In China

With the release of the financial statements, the high profits of commercial Banks of China was goes into the line of sight of people in recent years. The profits of commercial bank industry were higher than the traditional monopoly like the oil industry or the tobacco industry of, as well as the whole national economic environment is very bad in2010. Facing these problems, lots of blame, such as doubted, negatived or agreed, to the national bank charges system was increased. The situation of national bank charges system was contradictory. On the one hand the development of bank industry was disordered, for the other hand there’s no perfect solutions for the savers, whose property was damaged,when they face those problems. One typical disordered development of bank industry is that the unreasonable increasing fees.The bank off-balance-sheet business were the important elements of the bank charges nowadays. The advantage of these business were flexible, targeted, small effects of macro-economic cycle, reducing the total asset turnover. In addition the bank off-balance-sheet business effected more of people’s life and the national financial competitiveness. For all above the reasons, for one hand the banking charges was very important for the national finance development, for the other hand there must be rein for the charges system, the rights of banking charges must be discussed in-depth.There are five parts of the paper.1.The concept and characteristics of commercial bank, the bank customers were explained.2.The theory support of the rights of banking charges was introduced.3. The banking charges system of other countries such as England American and Japan were recommend.4. Bad aspects of our banking charges system were analyzed.5. The advise to the national banking charges system of the paper was given.