从我国现实的法律和监管环境来看,银行对ATM跨行查询收费并不违反我国的强制性法律法规。首先,从服务定价的法律规制来看,作为市场主体的商业银行对其拥有的ATM设施服务有权自主定价。《中华人民共和国价格法》明确规定:商品价格和服务价格,除依照本法第十八条规定适用政府指导 Judging from the reality of our country’s legal and regulatory environment, bank charges for ATM cross-bank inquiry do not violate our mandatory laws and regulations. First of all, from the perspective of legal regulation of service pricing, commercial banks, as the main players in the market, have the right to set their own prices for the ATM facilities they own. The Price Law of the People’s Republic of China clearly stipulates that the prices of goods and services shall be subject to government guidance in accordance with the provisions of Article 18 of this Law