" limit takes in limit period show " is the egg under monopoly

" the evening before last since begin at nine o'clock, always arrive at ten o'clock or later, I have passed all ATM machine of both sides along Hua-Qiang-Bei-Lu examination, as soon as dividing money, have not taken. It is too strange really , picture the China strong north shopping centre of stream of people with so big quantity, why has bank that meeting has no money to take? " yesterday noon, citizen Mr Liang hits cable words to newspaper , has narrated the ATM machine phenomenon of own experience that is short of money collectively. Originally, partial commercial banks receive the notice of people's bank Shenzhen central sub-branch, take money for cash to set volume degree, personal each of customer must not exceed 30 thousand Yuan every day; Bank ATM machine stops service 9 p.m. 7 a.m. to on day; The single pen of ATM equipment takes money limit change is the / of 1000 Yuan. (" south metropolis newspaper" November 13Http: / /news.sina.com.cn/c/2007-11-13/041114292169.shtml)

Though since reporting , can't seek the reason that people's bank Shenzhen central sub-branch enacts such stipulation , presumably also definite matter has since, however , there are the again strong reason behavior that supports self in people's bank Shenzhen central sub-branch, even if the normal consumption expressed really as " bank aspect " and will not influence citizen , may the author still feels that this action is improper: Have violated and hold card person agree in advance, have again ignored people to know the facts right, complete is my domain I decide style.

First, spoken parts , customer has the money of bank, is customer originally, is to let bank manage for you, may bank falls have seemingly regarded as own money, at the time that customer needs , do not give. This has violated the most basic logic. The law of our country is stipulated , it is free to deposit , take money freedom. May now " limit takes in limit period show ", it is the basically commercial ethics of open challenge human society.

Secondly, the ATM machine of commercial bank 24 hours selfs support to serve , daily take cash volume, every time take current volume degree, it is in the aspect of bank with the agreement that customer reaches in advance, it has legal effectiveness, any one side has no right to tear up peace treaty wantonly. , in other words, is just the convenient shortcut property of this agreement clause, have just attracted customer colored money to handle bank card business. Now, bank sheet facilitates " carry out limit take in limit period show " to stipulate , do not know in advance can hold card person, also do not solicit hold card the agreement of person, no doubt, have violated beforehand agreement , have intruded the rights and interests of the masses. This is a kind of stark naked break the law behavior, is that the economic place of legal system does not allow.

Again, even if really having the reason of cannot overcome , must carry out " limit takes in limit period show ", so, bank should also pass through popular media or pastes in ATM machine side showy place to sue to show, furthest go up know can hold card person, or agreeing compensate , hold to block the certain economic losses of person , make effort to make the fault that should be done by oneself to remedy measure. May be pleasant to the eye from news, holding to block person take money everywhere , have consumed plenty of time and energies, do not know at all that this one stipulates. Obvious is in the aspect of bank have not done this respect try hard to cause. Bank encouragement customer volume the expense with greater degree passes to transfer accounts , it is seemingly a kind of remedial measure , may transfer accounts to take service charge , is also to have intruded the interests of customer virtually.

Is easy to see through above-mentioned analysis, in market, economy is also under the prerequisite of the idea popular feeling in-depth of the economy of legal system, the state-owned commercial bank of our country still lives in the fantasy of monopoly , acts as own wish still, even paste the minor matter little bulletin to disdain to go to do , foundation does not pawn the rights and interests of customer matter, do not say more that have considered deliberately for the interests of customer. Dare not imagine really once the bank of foreign capital has reduced RMB access money threshold, they how to compete with the bank of foreign capital, why furthest go up make state-owned property preserve and increase the value , how to defend the interests of shareholder. The state-owned definite needs of commercial bank are introspected well, appear on the market well the course of site economy.