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　　三九養(yǎng)生堂記者 鄧肯·蓋伊 報(bào)道

精彩|　　信??(xin)息??(xi)不??(bu)對??(dui)稱??(cheng)不??(bu)僅??(jin)降??(jiang)低??(di)了??(le)日??(ri)常??(chang)金??(jin)融??(rong)服??(fu)務(wù)??(wu)質(zhì)??(zhi)量??(liang)??，也??(ye)削??(xue)弱??(ruo)了?(le)減??(jian)費(fèi)??(fei)讓??(rang)利??(li)政??(zheng)策??(ce)的??(de)落??(luo)地??(di)效??(xiao)果??(guo)??。??“上??(shang)有??(you)政??(zheng)策??(ce)、下??(xia)有??(you)對??(dui)策??(ce)”的??(de)教??(jiao)訓(xùn)??(xun)并??(bing)不??(bu)遙??(yao)遠(yuǎn)??(yuan)??。2014年??(nian)2月??(yue)??，原??(yuan)中??(zhong)國??(guo)銀??(yin)監(jiān)?(jian)會?(hui)、國??(guo)家??(jia)發(fā)??(fa)展??(zhan)改??(gai)革??(ge)委??(wei)發(fā)?(fa)布??(bu)《商??(shang)業(yè)??(ye)銀??(yin)行??(xing)服?(fu)務(wù)??(wu)價(jià)??(jia)格??(ge)管??(guan)理??(li)辦??(ban)法??(fa)》??，明??(ming)確??(que)將??(jiang)新??(xin)增??(zeng)兩?(liang)個??(ge)免??(mian)費(fèi)??(fei)項(xiàng)?(xiang)目??(mu)??。但??(dan)有??(you)消??(xiao)費(fèi)?(fei)者??(zhe)反??(fan)映??(ying)??，該?(gai)政??(zheng)策??(ce)在??(zai)執(zhí)??(zhi)行??(xing)過??(guo)程??(cheng)中??(zhong)變??(bian)了??(le)樣??(yang)??，多??(duo)數(shù)??(shu)銀??(yin)行?(xing)網(wǎng)??(wang)點(diǎn)??(dian)的??(de)工??(gong)作??(zuo)人??(ren)員??(yuan)并?(bing)未??(wei)主祝(zhu)動??(dong)告??(gao)知??(zhi)客??(ke)戶??(hu)“目??(mu)前??(qian)可??(ke)擁??(yong)有??(you)一??(yi)個??(ge)免??(mian)收??(shou)管??(guan)理??(li)費(fèi)??(fei)的??(de)賬??(zhang)戶??(hu)”??，出??(chu)現(xiàn)??(xian)了??(le)“你??(ni)不??(bu)問??(wen)、我??(wo)就??(jiu)不??(bu)說??(shuo)”的?(de)情??(qing)況?(kuang)??。時(shí)??(shi)至??(zhi)今??(jin)日??(ri)??，此??(ci)類??(lei)問??(wen)題??(ti)仍??(reng)有??(you)一??(yi)定??(ding)的??(de)普??(pu)遍??(bian)性??(xing)???！　￠L??(chang)期??(qi)以??(yi)來??(lai)?，信??(xin)息??(xi)不??(bu)對?(dui)稱??(cheng)問?(wen)題??(ti)橫??(heng)亙??(gen)在??(zai)金??(jin)融??(rong)消??(xiao)費(fèi)??(fei)者??(zhe)與??(yu)商??(shang)業(yè)??(ye)銀?(yin)行??(xing)之??(zhi)間??(jian)?，進(jìn)?(jin)而??(er)引??(yin)發(fā)??(fa)了??(le)一??(yi)些??(xie)爭??(zheng)議??(yi)與??(yu)糾??(jiu)紛??(fen)??。??以??(yi)銀?(yin)行??(xing)服?(fu)務(wù)?(wu)收??(shou)費(fèi)??(fei)為??(wei)例??(li)??。近??(jin)期??(qi)發(fā)??(fa)布??(bu)的??(de)《關(guān)??(guan)于??(yu)調(diào)??(tiao)整?(zheng)銀??(yin)行??(xing)部??(bu)分??(fen)服?(fu)務(wù)??(wu)價(jià)??(jia)格??(ge)提??(ti)升?(sheng)服??(fu)務(wù)??(wu)質(zhì)??(zhi)效?(xiao)的??(de)倡??(chang)議??(yi)書??(shu)》明??(ming)確??(que)提??(ti)出??(chu)?，取??(qu)消??(xiao)商??(shang)業(yè)??(ye)匯??(hui)票??(piao)工??(gong)本??(ben)費(fèi)??(fei)、降??(jiang)低??(di)銀?(yin)行??(xing)承??(cheng)兌??(dui)匯??(hui)票??(piao)手??(shou)續(xù)??(xu)費(fèi)??(fei)、減??(jian)免?(mian)個??(ge)人??(ren)存??(cun)款??(kuan)賬??(zhang)戶??(hu)對??(dui)賬??(zhang)單??(dan)打??(da)印??(yin)費(fèi)??(fei)、對??(dui)安??(an)全??(quan)認(rèn)??(ren)證??(zheng)工??(gong)具??(ju)工??(gong)本??(ben)費(fèi)?(fei)實(shí)??(shi)施??(shi)成??(cheng)本??(ben)定??(ding)價(jià)??(jia)方??(fang)式??(shi)等??(deng)??。但??(dan)若??(ruo)細(xì)??(xi)究??(jiu)這??(zhe)些??(xie)收??(shou)費(fèi)??(fei)項(xiàng)??(xiang)目??(mu)?，恐?(kong)怕??(pa)鮮??(xian)有??(you)金??(jin)融??(rong)消??(xiao)費(fèi)??(fei)者??(zhe)能??(neng)說??(shuo)出??(chu)個??(ge)所??(suo)以??(yi)然??(ran)?，他??(ta)們??(men)通??(tong)常??(chang)既??(ji)不??(bu)了??(le)解??(jie)收?(shou)費(fèi)??(fei)名??(ming)目??(mu)?，也??(ye)不??(bu)清??(qing)楚??(chu)收??(shou)費(fèi)??(fei)標(biāo)??(biao)準(zhǔn)??(zhun)?，銀??(yin)行??(xing)收??(shou)多?(duo)少??(shao)錢??(qian)就??(jiu)交??(jiao)多??(duo)少??(shao)錢??(qian)??。

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