存款收费:纷争与规范  

Charges at Depositors'Accounts:Dispution and Regulation

作　　者：周海林[1] 兰振光[1] 

机构地区：[1]福建金融职业技术学院,福建福州350007

出　　处：《福建金融管理干部学院学报》2006年第4期36-40,47,共6页Journal of Fujian Institute of Financial Administrators

摘　　要：商业银行为了弥补成本、优化账户管理、实现客户细分,开始收取存款账户管理费,从而激发了银行存款收费合法与否的论战。法学界认为,存款收费属于单方变更合同行为,并且违反了存款有息的原则与价格听证制度。本文认为,银行通过对存款业务收费来增加利润、排斥小额储户,将侵犯银行消费者的利益,危害贫困人群的生存权：政府应当对此进行管理,以利于银行业的发展和促进和谐社会的构建。In order to cover costs ,optimize account management and fractionalize customers, our commercial banks start to charge on depositors＇ accounts, leading to a debate of its legitimacy. It is held by law circle that the charge is unilaterally against the rule of ＂deposit bearing interest＂ and the system of hearing of witnesses on price. This action is supposed to prop up profit, stave off small depositors and eventually infringe banking consumer＇s interest, imperil the survival of the poor. Our government should be involved to the benefit of banking development and establishing harmonious society.

关 键 词：商业银行 服务收费 小额储户 消费者保护 

分 类 号：F832[经济管理—金融学]