What is a short message service income transition household?

it's all reported in the previous news! These banks are all charging fees! They are all charged in the name of reporting the loss and replacing the card! It's okay now! The state has stipulated that the four major banks in China are not allowed to charge customers!

The China Banking Regulatory Commission, the Central Bank and the National Development and Reform Commission requested that 11 items of bank charges be cancelled from July 1st. In fact, most of these items were cancelled several years ago, and only a few items, such as password reset fee and bill printing fee within 12 months, are still being charged, which attracts more attention.

in addition, according to the relevant regulations, banking financial institutions may not charge customers for SMS service fees without their separate authorization in writing, telephone recording by customer service center or electronic signature.

(Reporter Wang Liang) The China Banking Regulatory Commission, the Central Bank and the National Development and Reform Commission require banks to waive 34 service charges for 11 categories of RMB personal accounts from July 1 this year.

The reporter visited a number of banks yesterday and found that some banks cancelled the relevant charging items, but some state-owned banks still said that they had not received the notice to stop charging items. Taking the password reset as an example, the 1 yuan handling fee is accepted by the bank.

account opening fee turns into "card fee"

Mr. Li, a citizen, came to a state-owned bank in Tianhe North Road yesterday and wanted to reset the debit card password. The bank clerk told him that 1 yuan's handling fee was still needed. Mr. Li couldn't figure it out and complained to reporters that the bank didn't implement the new regulations of the China Banking Regulatory Commission. The bank said that it has not received the relevant fee standard adjustment notice.

The reporter also learned from another state-owned bank near Tianhe Sports West Road that the bank continues to implement the standard of charging 1 yuan for resetting the password of debit cards. "We have not received the notice of adjusting the standard of loss reporting fee and password reset fee for the time being, and it is still implemented according to the original standard." The bank employee told reporters.

The password reset fee is one of the 34 items explicitly cancelled in the CBRC notice. However, at present, several state-owned banks interviewed by reporters require customers who reset their passwords to report the loss first and pay 1 yuan fees.

Some joint-stock banks interviewed by the reporter showed "sincerity" in implementing the new regulations, such as Bank of Communications and China Merchants Bank. The customer service staff all said that since yesterday, if users forget their passwords and reset them, not only will they not be charged the password reset fee, but the loss reporting fee will also be exempted.

The handling fee for opening a personal savings account has also been explicitly cancelled in the new regulations, but many banks are still charging it in a "makeover" way. At a state-owned bank outlet in Dongshankou, the staff told reporters: "The newly opened debit card needs to be paid to 5 yuan. This is not an account opening fee, but a card production fee."

New charging items have quietly surfaced

On the other hand, some charging items not covered by the new regulations have quietly surfaced, becoming a new field for banks to "dig gold". A few days ago, a joint-stock bank put up a charging notice, saying that it would end the free promotion period of its personal SMS notification and officially start charging 3 yuan/month service fee. And collecting small account management fees is a "necessary action" for more and more banks.

Guo Tianyong, director of China Banking Research Center of Central University of Finance and Economics, told reporters that it is the general trend for banks to increase the proportion of intermediary business income by adjusting their income structure, but the charging object is debatable. Basic financial services for the general public should be mainly low-cost or free, while banks should be given full independent pricing power for high-end and competitive intermediary services.

Focus

When will the small account management fee be cancelled

The small account management fee charged by banks is a hot topic of public complaints. Many consumers have set up several bank debit cards for various reasons, but only one or two cards have been used all the time, and other cards are idle most of the time. In this case, banks will charge small account management fees. For example, China Construction Bank, Industrial and Commercial Bank of China and other accounts whose average daily balance is lower than that of 3 yuan or 5 yuan charge 3 yuan fees every quarter, and one year is 12 yuan.

In this regard, a business person in charge of a large state-owned bank said that charging for small accounts has two functions. One is to promote customers to merge sleep accounts and invalid accounts through charging, which can improve the network operation speed after releasing the system resources occupied by them. The second is to promote customers to merge scattered accounts and manage personal assets reasonably. Some heads of financial departments of banks said that banks need to study its operability if they want to cancel the management fees for small deposits.