Five banks were named "criticized", exposing two major "problems", and depositors should know in advance.

With the continuous development of the financial system, domestic banks have mushroomed in recent years. According to the report issued by China Banking and Insurance Regulatory Commission, by the end of February, there were 4,607 financial institutions in China, including 4,073 banking institutions. Walking on the street, we can also find that banks can be seen everywhere except pharmacies, restaurants and real estate agents.

The main reason is that the profits of banks are large enough. Taking ICBC as an example, relevant data show that the net profit of ICBC in 20 19 was 31222.4 billion, which was 2.08 times that of Alibaba and 3.34 times that of Tencent. Banks are also closely related to life. At present, the biggest problem for ordinary people is to buy a house, with a suite of several million. People who can't afford a house can only deposit their money in the bank, while those who can afford it still need to pay off their mortgage for decades.

Take a house of 654.38+00,000 yuan as an example. If the down payment of 30% is removed, there will be 700,000 left. If the loan lasts for 30 years, the total repayment amount is about 6.5438+0.5 million yuan, even higher than the loan amount. In addition to the basic deposit and loan business, banks have gradually derived other businesses: investment business, debt business, intermediary business, wealth management business, credit card business, trust business and so on. The financing channels have been greatly broadened. Different from simple deposits in the past, when you go to a bank now, you often meet bankers who constantly recommend wealth management products and apply for credit cards.

Despite the large number of banks, more than 90% of them are relatively small banks, and many of them will have some problems. For example, the CBRC criticized five banks by name, namely China Agricultural Bank, Shanghai Pudong Development Bank, bank of dalian, China Agricultural Development Bank and Beijing Rural Commercial Bank. There are some problems, such as compulsory tying of insurance products, unreasonable charging of market-adjusted prices, inconsistency between fees and services provided, and charging of handling fees beyond publicity standards. With the exposure of such banks, it also reflects that some banks have two major problems at present:

For example, from 2065438 to June 2008, shishi city Branch of Agricultural Bank of China signed a one-year Agreement on Corporate RMB Settlement Package Service with a company, charging customers 520,000 yuan/year. However, according to the data published in the relevant package price list, the service fee is only 1 ten thousand yuan per year, which is equivalent to 5 1 times higher than the standard fee. The same happened to Beijing Rural Commercial Bank, which charged the borrower 2 million yuan and 8 million yuan for factoring business on 20 15 and 20 16 respectively. However, according to the charging standard published in the service price list of Beijing Rural Commercial Bank, the bank should charge 0.3%- 1% of the financing amount, and finally overcharged 5 million yuan.

For example, when a bank handles a debit card, it usually needs to deposit a few hundred to a thousand dollars in it, but some banks have to charge a "quarterly small management fee" for the app. These problems also appeared in the recently concluded "3 15 List of Illegal Charges", such as illegally charging some individual customers annual fees, illegally transferring collateral assessment to customers, and charging borrowers service fees inconsistent with mortgage assessment fees.

Bundling sales can be divided into two aspects, namely, bundling sales with users' knowledge and bundling sales without users' knowledge. To give a simple example, for example, many people apply for mortgage loans in banks, and the loan interest rate will be reduced according to how much they buy wealth management or insurance. Although the results show that the customer and the bank are win-win, it violates Article 5 of the "Seven Prohibitions" in the Notice of China Banking Regulatory Commission on Rectifying the Irregular Business Practices of Banking Financial Institutions, that is, banking financial institutions are not allowed to forcibly bind, tie in wealth management, or provide financing in other ways.

On the other hand, in recent years, China Banking and Insurance Regulatory Commission, China has also carried out a comprehensive clean-up of bank charges. On June 5438+ 10 last year, the General Office of the China Banking Regulatory Commission issued a notice to the insurance regulatory bureaus of all banks and the insurance financial institutions of all major banks, demanding that the action plan for clearing bank overcharging and reducing the burden on enterprises be carefully organized and implemented, mainly including four links:

But then again, the above situation is relatively rare, and most banks are relatively trustworthy institutions. Here is mainly to remind depositors to be cautious when handling banking-related business, to be brave in questioning and saying no when encountering unreasonable charges, and to take out legal weapons to safeguard their rights and interests when necessary.

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