The Study Of Legal Protection For Chinese Commercial Bank Customers On The Service Fees

Consumers are natural person who purchases or uses goods and accepts theservice for the individual purpose and their rights and interests in economic tradingactivity are protected by law. Consumers enjoy the right to know, right to chooseindependently and fair trading right, etc in commercial bank service fees charging ofChina. Commercial banks in China starts late, and the events violating the consumers’rights and interests in commercial bank service fees charging happen frequently,which is caused by imperfect legal system on commercial bank service fees charging,confused charging items and poor consciousness to safeguard rights, etc. In order toensure the consumers’ rights and interests in commercial bank service fees charging,this paper analyzes several typical cases violating the consumers’ rights and interestsin commercial banks in China in recent years, further clears the legal characteristicsand type of commercial bank service charging, concludes the performance and currentsituation of violation of consumers’ rights and interests and puts forward suggestionsto improve the consumers’ rights and interests in commercial bank service feescharging of China.This paper is divided into five chapters.Chapter1is the analysis of typical cases. Based on the analysis, the generalsituation of violation of the consumers’ rights and interests in commercial bankservice fees charging is described.Chapter2is the legal characteristics and type of commercial bank service feescharging in China. Commercial bank service fees charging in China has obvious characteristic and type. The study on this is helpful for exploring the way ofexpression of violation of the consumers’ rights and interests in commercial bankservice fees charging.Chapter3is the performance of violation of the consumers’ rights and interests incommercial bank service fees charging, mainly including opaque charginginformation, unclear charging items, asymmetric format terms and service fee.Chapter4is the current situation of protection of consumers’ rights and interestsin commercial bank service fees charging from the perspective of laws andregulations. According to the laws and regulations on Chinese commercial bankservice fees charging and consumers, specific legislation on protection of consumers’rights and interests in commercial bank service fees charging has not appeared,showing the lack of legal system and shortage of industrial management.Chapter5is the system design of protection of consumers’ rights and interests inChinese commercial bank service fees charging. In allusion to the current situation ofprotection of consumers’ rights and interests in Chinese commercial bank service feescharging, relevant protective legal system is established and perfected and theprotection of consumers’ rights and interests in commercial bank service fees chargingis perfected through legislation and dispute settlement mechanism.