The central bank and other four departments jointly launched to further reduce payments.

Recently, the People's Bank of China, the China Banking Regulatory Commission, the National Development and Reform Commission and the General Administration of Market Supervision jointly introduced fee reduction measures to further benefit the real economy. The four departments focus on the basic payment business with high voice and high frequency of use, and put forward the 12 fee reduction measures, which will be officially implemented on September 30, 20021year, covering five aspects: bank account service, RMB settlement, e-banking, bank card swiping and payment account service.

After all the fee reduction measures are implemented, it is estimated that the annual fee reduction for market players and the public will be about 24 billion yuan, of which small and micro enterprises and self-employed individuals will benefit more than 654.38+06 billion yuan.

Help the high-quality development of the national economy

The fee reduction measures jointly launched by the four departments focus on small and micro enterprises and individual industrial and commercial households, and at the same time benefit other market entities and financial consumers, taking into account fee reduction and profit-making and sustainable development of the industry. The main body of fee reduction involves commercial banks, payment institutions and clearing institutions.

In addition, the "Proposal on Reducing Payment Fees of Small and Micro Enterprises and Individual Industrial and Commercial Households" issued by China Payment and Clearing Association and China Banking Association shows that commercial banks and non-bank payment institutions are proposed to reduce fees:

First, commercial banks are encouraged to give preferential treatment to the opening fee of the first (or designated) unit settlement account opened by small and micro enterprises and individual industrial and commercial households in the same bank, and the price after preferential treatment is not higher than 50% of the current public price.

Second, commercial banks are encouraged to give preferential treatment to small and micro enterprises and individual industrial and commercial households with a single amount of 65,438+10,000 yuan (including, the same below) through online banking, mobile banking, ATM and other channels, and the price after preferential treatment is not higher than 10% of the current public price. Encourage commercial banks to exempt remittance fees for small and micro enterprises, individual industrial and commercial households, counters, online banking, mobile banking, ATMs and other channels to transfer remittances to corporate banks within a single sum of 65,438+10,000 yuan.

Third, commercial banks are encouraged to waive or discount the annual fees and management fees of online banking, mobile banking, telephone banking and security certification tools for small and micro enterprises and individual industrial and commercial households, and the preferential price is not higher than 50% of the current public price. Encourage commercial banks to exempt small and micro enterprises and individual industrial and commercial households from the cost of safety certification tools, at least not higher than the cost price.

The fourth is to encourage payment institutions to give preferential treatment to the service fees of online payment merchants such as small and micro enterprises, individual industrial and commercial households and individuals with business activities. The discounted price is not higher than the current standard 10%. Encourage payment institutions to exempt small and micro enterprises, individual industrial and commercial households and individuals with business practices from payment account withdrawal fees.

Enhance the sense of acquisition of financial consumers

It is understood that the floating population among provinces and provinces in China is 376 million, and the population aged 60 and over is 264 million. These changes put forward new requirements for cross-regional, inter-bank and aging banking services.

In this context, recently, China Banking Association and China Payment and Clearing Association, under the guidance of the regulatory authorities, issued the "Proposal on Reducing the Inter-bank Cash Withdrawal Fees of ATMs" (hereinafter referred to as the "Proposal") to commercial banks and clearing institutions, proposing to reduce the inter-bank cash withdrawal fees in the same city. Encourage all banks and clearing institutions to appropriately reduce the handling fee for inter-bank cash withdrawal at ATMs in the same city, and the charging standard shall not exceed 3.5 yuan/transaction. Among them, the issuing bank charges a handling fee by half, and the charging standard does not exceed 0.2 yuan/pen; The clearing institution will charge the network service fee by half, and the charging standard will not exceed 0.3 yuan/transaction; The charging standard for the acquiring bank to configure ATM machines remains unchanged, which is 3 yuan/transaction. The "Proposal" also proposes to reduce the inter-bank cash withdrawal fee in different places. The fixed fee standard for inter-bank cash withdrawal from ATM in different places is the same as that in the same city, and does not exceed 3.5 yuan/transaction.

After the implementation of the above measures, the ATM inter-bank cash withdrawal fee will be significantly reduced, the same city business will drop by more than 10%, and the large-value off-site business will drop by more than 80%. According to preliminary calculation, it is estimated that the annual scale of fee reduction and profit reduction is about 4 billion yuan.

It is worth noting that in order to ensure the effectiveness of fee reduction, the two sessions also put forward the following requirements for commercial banks and payment institutions. Specifically, it seems to be: first, protect customers' right to know. Improve the customer complaint and error handling mechanism, simplify the handling process, and return the cases of wrong charges and overcharges in time. The second is to accurately define customer types. Commercial banks and payment institutions should reasonably define customers such as small and micro enterprises according to relevant standards, and adopt effective technical means for dynamic management. For enterprise customers that cannot be accurately defined, we should implement the fee reduction measures in accordance with the principle of "all must be reduced". The third is to summarize the effect of fee reduction in time. The majority of small and micro enterprises and individual industrial and commercial households will be effectively benefited by reducing fees, and the payment standard shall not be raised in disguise by reducing fees and increasing costs.