我国商业银行收费行为的反垄断法规制

发布时间：2018-03-02 04:30

本文关键词： 反垄断银行收费垄断行为法律规制　出处：《上海交通大学》2015年硕士论文　论文类型：学位论文

【摘要】：我国商业银行提供的服务经历了从免费时期到收费时期的转变。随着现代市场经济的快速发展,商业银行乱收费现象遭到社会公众的质疑。按银行与客户不同的法律关系,商业银行服务收费可以划分为资产业务收费、负债业务收费、中间业务收费三类。我国商业银行收费行为中存在的主要问题是各个银行间服务收费客观上没有明确反映成本差异以及存在强制、捆绑收费行为。商业银行实施的两类典型的涉嫌限制竞争行为,即垄断协议行为和滥用市场支配地位行为。针对以上行为进行反垄断法分析,确认商业银行施行垄断行为除结合反垄断法上的构成要件进行推论外,还需综合考虑商业银行的行业特殊性进行判断。现阶段我国商业银行应整体适用反垄断法,没有规定特别的适用除外。对商业银行收费行为进行反垄断规制需以合理原则为基本分析方法。通过反垄断法规制银行收费行为所达到的效果不仅需符合反垄断法的总体价值取向,还存在独有价值目标。针对商业银行收费行为的反垄断规制中存在立法方面和执法方面的不足,从强化行业针对性立法、完善相关市场的界定、明确反垄断执法机构与监管机关的管辖权角度提出适合我国国情的商业银行服务收费的反垄断法规制对策。
[Abstract]:The service provided by commercial banks in our country has experienced a transition from free period to charging period. With the rapid development of modern market economy, the phenomenon of random charging of commercial banks has been questioned by the public. According to the different legal relationship between banks and customers, Charges for commercial bank services can be divided into asset charges, liability charges, The main problem in the charging behavior of commercial banks in our country is that the service charges between banks do not clearly reflect the cost difference and the existence of compulsion. The behavior of binding charge. Two typical types of suspected restriction of competition implemented by commercial banks, that is, monopoly agreement behavior and abuse of market dominant position, are analyzed by anti-monopoly law. It is confirmed that the practice of monopoly behavior by commercial banks should not only be inferred from the constitutive elements of anti-monopoly law, but also be judged by considering the industry particularity of commercial banks. At this stage, China's commercial banks should apply the anti-monopoly law as a whole. There is no special application except. The antitrust regulation of commercial banks' charging behavior should be based on the principle of reasonableness. The effect of regulating bank charges by anti-monopoly law should not only accord with the antitrust effect. The general value orientation of law, There is also a unique value target. There are legislative and law enforcement deficiencies in the antitrust regulation of the charging behavior of commercial banks, from strengthening the industry targeted legislation, perfecting the definition of relevant markets, From the point of view of the jurisdiction of the anti-monopoly law enforcement agency and the supervision agency, the paper puts forward the countermeasures of the anti-monopoly law regulation on the service charges of commercial banks that are suitable for the national conditions of our country.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.294

【相似文献】