商业银行的公共性理论——兼论商业银行收费法律问题

发布时间：2018-01-19 21:23

本文关键词： 银行服务收费公共性特许权金融消费者　出处：《现代法学》2012年01期 　论文类型：期刊论文

【摘要】：长期以来,人们大多只看到了商业银行的商业性,其公共性往往被忽略。其实,商业银行也具有一定的公共性。这来源于商业银行的特殊性,商业银行是一个受到特殊保护的行业,商业银行具有特许权价值,这是一种法律特权。由于我国商业银行受到的保护比较多,商业银行准入比较困难,其特许权价值较大,再加之我国的金融发展水平不高,银行管理水平和能力不高,弱势群体数量庞大,承受能力有限,因此,我国商业银行提供的免费服务应该多些,而不能完全照搬发达国家和地区商业银行的定价机制。商业银行完全定价权的获得则取决于其市场准入的开放程度和特许权价值的大小。
[Abstract]:For a long time, most people only see the commercial banks, whose publicity is often ignored. In fact, commercial banks also have a certain degree of publicity. This comes from the particularity of commercial banks. Commercial bank is a special protection industry, commercial bank has concession value, this is a kind of legal privilege. Because our country commercial bank receives the protection more, the commercial bank admittance is more difficult. Its concession value is large, in addition our country's financial development level is not high, the bank management level and the ability is not high, the vulnerable group quantity is huge, the bearing capacity is limited, therefore. Our commercial banks should provide more free services. However, the pricing mechanism of commercial banks in developed countries and regions cannot be copied completely. The acquisition of complete pricing power of commercial banks depends on the openness of market access and the value of concessions.
【作者单位】：中央财经大学法学院;
【基金】：教育部人文社会科学研究项目“金融消费者纠纷的多元化解决机制研究”(09YJC820125) 中央财经大学“211工程”三期资助
【分类号】：D922.281;F832.3
【正文快照】： 一、商业银行的两种属性近年来,随着中国银行业的股份制和商业化改革,银行服务由“免费时代”逐步进入“收费时代”。一些收费项目,如小额账户管理费、银行卡年费等“成功”推出,尽管推出后也遭到了一些“公益诉讼”的挑战,但基本上以挑战者的失败而告终。但自2007年以来,自

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