| 商业银行服务收费的合法性问题分析 |
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| 引用本文： | 黄韬. 商业银行服务收费的合法性问题分析[J]. 金融论坛, 2011, 0(4): 73-79 |
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| 作者姓名： | 黄韬 |
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| 作者单位： | 上海交通大学凯原法学院; |
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| 基金项目： | 教育部人文社科研究项目“金融放松管制、消费者保护与立法改革”(10YJC820041) |
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| 摘 要： | 对中国商业银行服务收费行为的合法性分析应当从行政管理法律关系以及合同法律关系两个层面进行.银行业监管者应当更新观念,弱化行政管理惯性,促使商业银行与其客户之间通过合同法律关系的维度来确认双方的权利和义务.根据银行服务合同是否已经缔结这一判断标准,应当将商业银行的收费行为进行分类,并判断相应收费行为的合法性.为了促进金融...
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| 关 键 词： | 商业银行 服务收费 格式合同 金融监管 |
An Analysis of the Legality of Commercial Bank's Service Charges |
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| HUANG Tao. An Analysis of the Legality of Commercial Bank's Service Charges[J]. Finance Forum, 2011, 0(4): 73-79 |
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| Authors: | HUANG Tao |
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| Abstract: | The legality of Chinese commercial banks' service charge behavior should be analyzed from two perspectives,administrative legal relationship and contractual legal relationship.Banking regulators need to update supervision philosophy,weaken administration inertia,and impel commercial banks and their customers to affirm their rights and duties through contract relationship.According to the criteria whether banking service contract has been concluded,we can classify various commercial banks' service charge beh... |
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| Keywords: | commercial bank service charge standard contract financial supervision |
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