论商业银行收费行为的法律规制

发布时间：2018-10-19 19:06

【摘要】：近年来商业银行不合理收费现象为公众所诟病，如何对商业银行收费行为进行法律规制，成为近年来学者、公众讨论的焦点。造成商业银行滥用收费权的原因很多，其中信息不对称引起的市场失灵、监管机构监管失灵是造成商业银行收费行为市场秩序不合理的主要原因。然而传统的民法、行政法规制的主体较为单一，无法同时解决银行与客户之间以及监管机构与银行之间的矛盾，在规制商业银行收费行为时具有明显局限性。因此本文主要从市场规制法的角度对商业银行收费行为进行约束。文章主要分为六个部分，主要内容如下：第一部分：引言。主要介绍写作的背景、理由、研究综述、研究创新、研究方法及思路。第二部分：商业银行收费行为法律规制概述。首先界定商业银行收费行为的概念，介绍商业银行收费行为产生的背景及发展过程，，分析商业银行收费行为存在的问题及原因；其次，通过银行与客户之间的合同关系、以及市场秩序监管法律的授权两个层面论证商业银行收费行为合法性；最后讨论商业银行收费行为法律规制的涵义与特征，明确文章是从市场秩序法律规制的角度进行研究。第三部分：商业银行收费行为法律规制的理论基础。这一部分回答为什么要对商业银行进行法律规制的问题。文章主要从商业银行提供的部分服务具有一定公共性、银行客户弱势地位、市场失灵以及商业银行负有社会责任四个角度加以论证。第四部分：商业银行收费行为法律规制的演进和问题。理清我国商业银行收费行为相关的法律的现状以及分析立法中存在的价格机制不完善、法律效力低、前后规定存在不一致、法律救济渠道受限制等问题。第五部分：国外商业银行收费行为法律规制的考察与借鉴。文章选取美国、英国两个国家为主要介绍对象。通过国外经验的考察，提出对规制我国商业银行收费行为有益的建议。第六部分：完善我国商业银行收费行为法律制度的思考。主要从两个方面进行论述，第一，完善相关法律制度，包括实体法内容的完善，程序法中诉讼制度的完善，使客户权益受损使能有法律途径进行救济。第二，建立与商业银行收费相关制度，如推行信息公开制度、建立银行与客户平等协商制度、加强银行业协会的监管等约束商业银行不合理收费行为。
[Abstract]:In recent years, the phenomenon of unreasonable charges of commercial banks has been criticized by the public. How to regulate the charging behavior of commercial banks has become the focus of discussion among scholars and the public in recent years. There are many reasons for commercial banks to abuse the right to collect fees, among which the market failure caused by asymmetric information, the supervision failure of the regulatory body is the main reason for the unreasonable market order of the charging behavior of commercial banks. However, the traditional civil law and administrative regulation system are relatively single, which can not solve the contradiction between banks and customers and between regulators and banks at the same time, so it has obvious limitations in regulating the charging behavior of commercial banks. Therefore, this article mainly from the market regulation law angle to the commercial bank charge behavior carries on the restraint. The article is divided into six parts, the main content is as follows: the first part: introduction. This paper mainly introduces the background, reasons, research review, research innovation, research methods and ideas of writing. Part two: summary of legal regulation of charging behavior of commercial banks. Firstly, it defines the concept of charging behavior of commercial banks, introduces the background and development process of charging behavior of commercial banks, analyzes the problems and causes of charging behavior of commercial banks, and secondly, through the contractual relationship between banks and customers, Finally, the meaning and characteristics of the legal regulation of the charging behavior of commercial banks are discussed, and it is clear that the article is to study from the perspective of legal regulation of market order. The third part: the theoretical basis of the legal regulation of the charging behavior of commercial banks. This part answers the question of why commercial banks should be regulated by law. This paper mainly discusses the public nature of some services provided by commercial banks, the weak position of bank customers, the market failure and the social responsibility of commercial banks. The fourth part: the evolution and problems of legal regulation of charging behavior of commercial banks. This paper clarifies the current situation of the laws related to the charging behavior of commercial banks in our country and analyzes the problems such as the imperfect price mechanism, the low legal effect, the inconsistency of the regulations and the restriction of the legal relief channels in the legislation. The fifth part: the investigation and reference of the legal regulation of the charging behavior of foreign commercial banks. The article chooses the United States and the United Kingdom as the main objects of introduction. Through the investigation of foreign experience, the paper puts forward some beneficial suggestions for regulating the charging behavior of commercial banks in China. The sixth part: the consideration of perfecting the legal system of charging behavior of commercial banks in China. Mainly from two aspects, first, improve the relevant legal system, including the content of substantive law, procedural law and litigation system, so that the rights and interests of customers can be injured to have legal means to remedy. Second, establish the system related to commercial bank charges, such as the implementation of information disclosure system, the establishment of equal consultation system between banks and customers, and strengthen the supervision of banking associations to restrict the unreasonable charging behavior of commercial banks.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.281;F832.33

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