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Old 03-22-2011, 03:53 PM   #1
Tomy969599
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Old 03-22-2011, 04:16 PM   #2
smeif7788tou
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  消费者不满的跨行转账费等项目未被取消


  免收费项目增加5类
  通知要求免除的部分服务收费包括:本行个人储蓄账户和个人银行结算账户的开户手续费和销户手续费;同城 本行存款、取款和转账手续费(贷记卡账户除外);存折开户、销户和存折更换的工本费;密码修改和密码重置手 续费;境内本行查询服务收费等;已签约开立的代发工资、退休金、低保、医保、失业保险、住房公积金账户的年 费和账户管理费(含小额账户管理费);向救灾专用账户捐款的跨行转账手续费、电子汇划费、邮费和电报费;以 纸质、电子方式提供本行一定时期内对账单的相关收费等。
  通知同时要求,银行业
http://www.smeif.cn/融资|投融资|投融资网|中小企业投融资网|金融服务第一媒体|项目融资|无抵押贷款|短期融资|上市融资|担 保贷款|个人贷款|联盟全国100多家海内外银行;600多家股权投资公司,2000家担保公司、小额贷款 和典当行,满足企业或个人2000万元以内无抵押贷款,1亿元以内的短期拆借(三个月内)及中长期担保贷款 ,项目融资乃至海外上市等不同层次的融资需求,详情:http://www.smeif.cn/
金融机构应切实履行服务收费告知义务,未经客户授权,不得对客户强制收取短信服务费;银行业金融机构代理国 家有关部门或其他机构的收费,融资,应在办理业务前,明确告知客户,尊重客户对相关服务的自主选择权。
  与2010年8月份发改委与银监会联合修订的《商业银行服务价格管理暂行办法(征求意见稿)》相比,此 次通知在《意见稿》的基础上,加入了5类免除收费项目,包括密码修改、重置手续费;存折开户、销户、更换工 本费;部分小额账户管理费和年费等。
  相比《意见稿》对“通过POS、ATM机,或者转账电话提供的境内跨行查询服务”,这一项在通知中没有 体现。
  部分项目原本不收费

  中信银行银行卡研究专家聂俊峰指出,此次减免部分服务收费中的不足,即忽略的重要问题是:银行对个人开 户的“无折化”,因为现在多数银行已经且即将没有存折。适用于存折的条款不一定适用于银行卡。
  有争议收费仍未列其中
  自2004年银行卡开始收取10元年费以来,多项银行服务经历了从免费到收费的过程。对于此次取消部分 收费项目,网友纷纷表示欢迎。“我举双手赞成取消这些收费项目。说实在的,这些收费项目本来就该免费。”网 友许小姐表示。
  不过,也有网友提出质疑,觉得通知中涉及的收费项目有点不痛不痒,没有点到银行不合理收费的要害。他们 认为,目前有争议的银行服务收费并不在取消之列,比如跨行转账费、信用卡挂失费、ATM跨行取款手续费等, 希望有关部门能继续对这些收费项目进行调查,制定合理价格或取消收费。
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