Research On Legal Issues Of Supervision Of The Commercial Bank Service Charges In China

It has been ten years since ‘The Interim Measures for the Administration of theCommercial Bank Service Charging’ issued in2003to ‘Measures for theAdministration of the Commercial Bank Service Charging’ published in February2014. Among these years, social doubts caused by the nonstandard charging ofcommercial bank service have never decreased. The behaviors that damage the lawfulrights and interests of consumers occur frequently. Therefore, methods of valueanalysis, document investigation and comparative research are used in this paper tolegal issues related to the commercial bank service charging suggestions are putforward at last.Besides the foreword, this text divides chapter four together.The first chapter introduces necessary of the supervision of the commercial bankservice charging. And the necessary is proved from theory and reality. Based ontheories of Market Failure, Public Interest and Legal Lag, this chapter believes thatthe appropriate supervision of the commercial bank service charging is significant toprotect the lawful rights and interests of consumers and promote the sustainabledevelopment of commercial banks.The second chapter states the present situation and problems of the supervisionof the commercial bank service charging. Firstly, the present situation of thesupervision of the commercial bank service charging is analyzed. And then manyproblems exist in the fields of legislation, system and the protection of consumers ofthe supervision of the commercial bank service charging.The third chapter investigates extraterritoriality of legislation in the supervisionof the commercial bank service charging. Extraterritoriality methods in thesupervision of the commercial bank service charging include Service ChargeInformation Disclosure system, Social Protection of Vulnerable Groups system,Dispute Resolution system and the Supervision of the Discrimination in price. Wemust learn from these advanced experiences.The forth chapter throws out a suggestion on improving the supervision of thecommercial bank service charging. Through the above analysis, learning from theseadvanced experiences, and considering actual conditions in our country, we shouldimprove the supervision from renovating the notion, perfecting the legislation, improving the system of the supervision, establishing the protection system offinancial consumers.