A Study Of Intermediate Business Charges Regulatory In The China’s Commercial Banks

The intermediate business, the assets business, and the liabilities business arecalled the three main businesses of commercial banks. Development of intermediatebusiness and the establishment of the right to charge service fees make service fee animportant profit growth point of commercial bank. However, chaos of theintermediate business charge in China is often criticized. To ensure the intermediarybusiness charges fair and reasonable, to safeguarding the legitimate rights andinterests of consumers and to promote stable development of the intermediatebusiness, it is necessary to reconsider and position the supervision of intermediatebusiness charge in commercial banks.This paper study the supervision of the intermediate business charge ofcommercial banks from three aspects: the theoretical analysis, the reality expedition,game analysis. In the theoretical analysis section, relying on the public interest theory,the economic regulate theory and regulatory dialectic theory, this paper analyzes thesupervision of the intermediate business charge of commercial banks respectivelyfrom market failures, economic interests, and the dynamic balances. In the realityexpedition section, this paper reviews the history and status quo of the intermediarybusiness charge regulation and finds the problems existed in the monitoring. Inaddition, this part of the paper summarizes the successful regulatory experience indeveloped countries. In game analysis section, this paper analyzes the behaviorselection among the commercial banks, the regulatory body and the consumers, andgets the factors influence the choice of game bodies and the better equilibriumconditions.After systematic analysis, there comes a conclusion that severe punishment andcooperation in regulation will be good for better equilibrium. Several suggestions canbe taken into account, including standardizing the charging mechanism, setting a twoby two regulatory regime, and improving the supporting system of intermediatebusiness charge.