It is to turn over market behavior that knowing to store to know exchange charge

In the impression with limited the author, it is all to be concerned with increase behavior and the charge of monopoly industry, the spokesman of monopoly industry or the profession of monopoly industry - - profession association always takes market behavior or international practice matter. This not, know while facing people for knowing to store to exchange rate doubt vigorously, the field association of Bank of China again does not lose to stand appropriately, have stated - -

It is the increment affir of service industry that a commercial bank offers to customer that field association vice-secretary general Li Yi Qi of Bank of China says yesterday that knows across trip to store to know to exchange business , between each trip, the discrepancy of rate is major to have reflected the discrepancy of price strategy , is market behavior, it collects fees to join rule , do not allow to doubt. ( report according to " the Shanghai bond of November 28 newspaper "Http: / / finance, sina, com, cn / g/20071128/02404223647.shtml)

When state-owned commercial bank the prerequisite that appears on the market successively takes off , its business seeks profit impulse is more distinct, the task attribute of steady financial market is desalinized. It is engaged in that across trip, knowing to store to know exchange business as the service industry that a commercial bank offers to customer, not whether accept , really, need to increase to manage cost , it is also fair and reasonable to take certain service cost, say that it is not wrong to be market behavior. However, we must see that this market behavior has great deception and not reasonability. If taking market behavior to expound and prove " collect fees to join rule do not allow to doubt ", have no persuasion.

First, genuine market behavior, its market manages main part, subsist invariably in open competitiveness environment, market relieves, any a main part may enter , is winning to compete , the operation strategy of market main part is different, same business operation content may be mutual different. On the contrary, watch the market of banking industry of our country, though, there are many bank main parts, country is some , has place, there is foreign capital, but the specific business content of bank is nearly the same, if store loan interest rate, such bank field is hard to say very much to have material competition. Knowing to store to know exchange the establishment of rate , enact , say with it that is market behavior , have better to say that is monopoly behavior.

Secondly, genuine market behavior, any trade, service price and related cost take standard must be decided by market trade both sides, have never heard of from trade one side decides privately. Fact and experience tell us , if trade one side may force another side to accept trade price and service cost, no matter being to rely on violence means, or relying on monopoly position, is not market behavior , is to turn over market behavior just. And it is stipulated by each big self of commercial bank that knowing to store to know exchange rate, masses of customer has no any speach right , can only be passive to accept.

Show as a investigation of Sina website of November 28, when 97.5 thousand in have been investigated person, the person of 70.21% thinks that should not take to know to store to know to exchange service charge, the person of 94.59% thinks that knows to store to know to exchange the standard of service charge high. Very obviously, according to this opinion poll, trade one side does not approve the rate with one-sided bank. If be genuine market behavior, I think that no a bank dares to despise the wishes of consumer, unless it thinks , I close down. Why isn't our bank the wishes of trying best to cater to customer and reviewing actively while facing the strong opposition of people , but are to act wilfully? Have exposed , the monopoly nature of bank makes Ran. It is the same to have the service that bank offers , it is this to not choose , choose that power, that customer has lost choice , unless you do not use the bank of China forever.

A speech so as cover , the author does not deny to know to store know to exchange charge have its reasonability, but rate is reasonable , even if rate is reasonable, this metric system decides , the program enacted is also not reasonable. In domestic yet, no complete open competitive prerequisite takes off bank field, administrative monopoly color is still distinct, knowing to store to know exchange rate, should solicit public opinion - - the still state-owned maximum shareholder of the masses of bank. As soon as people query , take market behavior to pawn pretence , can only be deceiving , intensify social contradiction , have deviated from the biggest purpose of state-owned bank service people.