CBRC: Promote the banking industry to reduce service charges, and make reasonable benefits to the market entity

Zhongxin Jingwei, September 23rd, on the 23rd, the CBRC website issued a statement saying that the use of market -oriented rule of law can promote the banking industry reduction and exemption service charges.

According to the China Banking Regulatory Commission, the banking institutions continue to urge banking institutions to strictly implement various fee reduction policies, encourage banking institutions to actively excavate the space reduction space, "put" and "tube" combine the market regulating market -regulating bank service price behavior, and improve the quality and efficiency of financial services. In the first half of 2022, 21 major banks reduced service costs for other various market entities 137.5 billion yuan, an increase of 9.5%year -on -year.

In order to better meet the needs of the basic and functional financial services of economic life, earlier this year, the CBRC issued the "Guiding Opinions on Regulating the Management of the Banking Service Market Regulatory Price Management", which will be officially implemented on May 1, 2022. After the document was issued, the survey showed that 21 major banks re -sorted out and evaluate service items and price standards, with an average of 14 terminal billing service projects, and the average of 16 billing services prices were reduced. The item can directly measure the annual increase of 6.2 billion yuan. From the perspective of long -term implementation effects, the banking industry will make mechanism arrangements such as standardized service pricing methods, introducing price calibration mechanisms, implementing more refined management, and strengthening operation guidance and restraint branches. Actual expenditure.

According to the feedback of 21 major banks, the long -term mechanism effect is mainly reflected in the following aspects:

Strengthen service price management functions. More than 85%of the investigated banks have improved the functions of the board of directors and senior management of the overall service price management, and coordinated the relationship between the target and the pursuit of their own business goals. The branches are generally given greater reduction permissions to achieve further cost reduction targets during execution. Established a regular assessment service price mechanism, and more than 60 % of the investigated banks conduct a review of service items and price standards each year.

Standardize service pricing and calibration mechanisms. The investigated bank introduced the three price calibration mechanisms of homogeneous comparisons, cross -date cost assessment, and actual price constraints, and the overall accumulation of more than 600 service prices has been reduced or reduced. The 80 % agreement pricing items strengthened the management and control by clarifying the reference standards, setting the review limit, and the improvement of service record retention requirements. The 40 % proportion pricing project introduced the upper limit of the price to avoid excessive actual execution. The optimization of the 30 % range pricing project has adjusted the price range settings to reduce the actual implementation price. Some external cost pricing projects adopt the principle of flat and flat pricing pricing, and the income is mainly used to offset procurement costs.

Strict monitoring service charges. The investigation banks generally improve the cost confirmation and return mechanism of prepaid or cyclical services, solve practical problems such as changes in actual service requirements or early termination, and make service prices match the quality and efficiency of service. The design and pricing of the service package combination and the annual service plan, the necessary basic service in the service portfolio can be provided separately. We have strengthened the requirements of the transaction link price notification, improve the information disclosure of information such as preferential measures, price adjustment, automatic renewal arrangements, credit financing -related fees, and recommendations of partners recommending business to ensure that customers know the right to know.

Strengthen service outsourcing and cooperative business price management. From the perspective of service behavior and financing costs, most of the investigated banks have clarified the management requirements of outsourcing and cooperation matters, price terms, information disclosure and prohibited behaviors, sorted out and evaluated existing service items and third -party charges, and adjusted the list of third -party institutions. Individual banks have also terminated cooperation with eight toll quality and prices that do not match third -party institutions. Based on reducing the cost of corporate financing costs, 17 projects that cooperate with third -party institutions have been canceled.

In the next step, the CBRC stated that it will continue to urge the banking institutions to conscientiously implement the relevant decision -making and deployment of the Party Central Committee and the State Council, earnestly do financial services, and make reasonable benefits to other various market entities through management improvement, process optimization, and technological progress. (Zhongxin Jingwei APP)

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