商业银行收费要“货真价实”

Core Viewpoint - The recent revision of the "Enforcement Guidelines for Commercial Bank Charging Behavior" by the National Market Supervision Administration aims to address issues of improper fees and inadequate service in the banking sector, emphasizing the need for banks to align service quality with their pricing strategies [1][2]. Group 1: Regulatory Changes - The regulatory framework has been strengthened with multiple documents targeting improper fee collection and service delivery, ensuring the protection of financial consumers' rights [1]. - The guidelines highlight the importance of maintaining a balance between service fees and the quality of services provided, addressing the historical issue of "quality-price mismatch" in banking services [2]. Group 2: Revenue Generation Strategies - As traditional income sources like interest margins narrow due to declining loan rates, banks are increasingly focusing on expanding non-interest income through service fees [1]. - The trend in international markets shows a shift from reliance on interest income to generating revenue through high-quality customer services [1]. Group 3: Pricing Mechanisms - Banks are encouraged to clarify their fee structures, which are categorized into government-guided prices, government-set prices, and market-adjusted prices, with a focus on transparency and compliance with market norms [2]. - The pricing mechanism should adhere to principles of cost-risk coverage and value creation, with special considerations for vulnerable customer groups [3]. Group 4: Customer Rights and Transparency - It is essential for banks to respect customers' right to information, ensuring they are well-informed about service fees and any applicable discounts or exemptions [3]. - Regulatory requirements mandate that banks publicly disclose any changes to service fees or new charges through various channels to prevent information asymmetry and protect consumer rights [3].