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近年来,中间业务收入是商业银行利润新的增长点之一,并作为商业银行改善利润结构的重要内容和发展方向,越来越受到商业银行的关注和重视。在中间业务市场竞争较弱时期,商业银行面向客户提供了许多附带性的免费或暂不收费形式的金融服务,客户也习惯享受这些不收费性质的服务,一旦商业银行开始收费或者恢复收费,部分客户明显表现出不适应或难以接受,对商业银行收费的合法性和合理性提出质疑,社会舆论也纷纷予以关注。本文结合一起电话银行年服务费纠纷案例的生效判决,对其中涉及的商业银行收费法律问题和操作规则进行了分析,并探讨和交流了几点经验和启示。
In recent years, the income from intermediary business is one of the new growth points of the profits of commercial banks. As an important content and development direction for commercial banks to improve their profit structure, they have drawn more and more attention and attention from commercial banks. In the period of weak competition in the intermediary business market, commercial banks provide many incidental free or temporary fee-based financial services to customers, and customers are accustomed to enjoying these non-fee-based services. Once a commercial bank starts charging or restoring charges, some Customers clearly show that they are not suited or unacceptable, questioned the legitimacy and rationality of commercial bank charges, and public opinion has also paid close attention to it. This article, combined with the effective judgment of the case of telephone banking year service fee disputes, analyzes the legal issues and operating rules of commercial banks involved in this issue, and discusses and exchanges some experiences and enlightenments.