【摘要】：近年來(lái)商業(yè)銀行不合理收費(fèi)現(xiàn)象為公眾所詬病，如何對(duì)商業(yè)銀行收費(fèi)行為進(jìn)行法律規(guī)制，成為近年來(lái)學(xué)者、公眾討論的焦點(diǎn)。造成商業(yè)銀行濫用收費(fèi)權(quán)的原因很多，其中信息不對(duì)稱引起的市場(chǎng)失靈、監(jiān)管機(jī)構(gòu)監(jiān)管失靈是造成商業(yè)銀行收費(fèi)行為市場(chǎng)秩序不合理的主要原因。然而傳統(tǒng)的民法、行政法規(guī)制的主體較為單一，無(wú)法同時(shí)解決銀行與客戶之間以及監(jiān)管機(jī)構(gòu)與銀行之間的矛盾，在規(guī)制商業(yè)銀行收費(fèi)行為時(shí)具有明顯局限性。因此本文主要從市場(chǎng)規(guī)制法的角度對(duì)商業(yè)銀行收費(fèi)行為進(jìn)行約束。文章主要分為六個(gè)部分，主要內(nèi)容如下： 第一部分：引言。主要介紹寫作的背景、理由、研究綜述、研究創(chuàng)新、研究方法及思路。 第二部分：商業(yè)銀行收費(fèi)行為法律規(guī)制概述。首先界定商業(yè)銀行收費(fèi)行為的概念，介紹商業(yè)銀行收費(fèi)行為產(chǎn)生的背景及發(fā)展過(guò)程，，分析商業(yè)銀行收費(fèi)行為存在的問(wèn)題及原因；其次，通過(guò)銀行與客戶之間的合同關(guān)系、以及市場(chǎng)秩序監(jiān)管法律的授權(quán)兩個(gè)層面論證商業(yè)銀行收費(fèi)行為合法性；最后討論商業(yè)銀行收費(fèi)行為法律規(guī)制的涵義與特征，明確文章是從市場(chǎng)秩序法律規(guī)制的角度進(jìn)行研究。 第三部分：商業(yè)銀行收費(fèi)行為法律規(guī)制的理論基礎(chǔ)。這一部分回答為什么要對(duì)商業(yè)銀行進(jìn)行法律規(guī)制的問(wèn)題。文章主要從商業(yè)銀行提供的部分服務(wù)具有一定公共性、銀行客戶弱勢(shì)地位、市場(chǎng)失靈以及商業(yè)銀行負(fù)有社會(huì)責(zé)任四個(gè)角度加以論證。 第四部分：商業(yè)銀行收費(fèi)行為法律規(guī)制的演進(jìn)和問(wèn)題。理清我國(guó)商業(yè)銀行收費(fèi)行為相關(guān)的法律的現(xiàn)狀以及分析立法中存在的價(jià)格機(jī)制不完善、法律效力低、前后規(guī)定存在不一致、法律救濟(jì)渠道受限制等問(wèn)題。 第五部分：國(guó)外商業(yè)銀行收費(fèi)行為法律規(guī)制的考察與借鑒。文章選取美國(guó)、英國(guó)兩個(gè)國(guó)家為主要介紹對(duì)象。通過(guò)國(guó)外經(jīng)驗(yàn)的考察，提出對(duì)規(guī)制我國(guó)商業(yè)銀行收費(fèi)行為有益的建議。 第六部分：完善我國(guó)商業(yè)銀行收費(fèi)行為法律制度的思考。主要從兩個(gè)方面進(jìn)行論述，第一，完善相關(guān)法律制度，包括實(shí)體法內(nèi)容的完善，程序法中訴訟制度的完善，使客戶權(quán)益受損使能有法律途徑進(jìn)行救濟(jì)。第二，建立與商業(yè)銀行收費(fèi)相關(guān)制度，如推行信息公開(kāi)制度、建立銀行與客戶平等協(xié)商制度、加強(qiáng)銀行業(yè)協(xié)會(huì)的監(jiān)管等約束商業(yè)銀行不合理收費(fèi)行為。
[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.
【學(xué)位授予單位】：西南政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：D922.281;F832.33

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