Hello, the handling fee of 0,5 means 0.5%. In fact, it is to charge 1000 yuan as the handling fee for 5 yuan, and 5% of the transaction amount as the handling fee. Generally, the rate of 0,5%, such as investment and wealth management, credit card installment, POS machine swiping credit card, the handling fee for different installments is different. For example, 1000 yuan, 0.5% of the handling fee is 5 yuan, 10000 yuan, and 0.5% of the handling fee is 50 yuan.

: 1. How much is the handling fee?

The word "formalities" is interpreted as "procedures for handling affairs", such as loan procedures, transfer procedures and securities trading procedures. Therefore, "handling fee" should be interpreted as: it is a kind of labor remuneration collected for others to handle related matters; Or yes.

For the principal, it is the corresponding remuneration paid for others to handle related affairs. Such as securities transaction fee, air ticket fee, withholding fee, national debt fee, etc. From the perspective of tax payment, all kinds of agency fees charged by operators should be regarded as taxable income and business tax; After deducting the related expenses, the income should also be subject to enterprise income tax. In addition, there are cases where tax authorities perform the task of withholding and paying taxes. The withholding fee obtained belongs to tax-free income, and there is no need to pay business tax and other taxes.

Second, the classification of banking system charges.

There are two kinds of fees in the banking system:

1. The interest other than the loan is collectively referred to as the handling fee. For example, the interest generated by installment repayment of credit cards and the interest generated by overdue credit cards;

2, the production cost of handling business in the bank.

Industrial and Commercial Bank of China: the card handling fee is 5 yuan, the annual fee is 10 yuan/year, the small account management fee is 3 yuan/quarter below 300 yuan, the debit card is free of handling fee for withdrawals in the same city, and 4 yuan/transaction is withdrawn from banks in the same city; Non-local credit card deposits are free, and the withdrawal amount is charged 1%, with the lowest 1 yuan and the highest in 50 yuan.

2 Agricultural Bank of China: the card fee is 5 yuan, the annual fee is 10 yuan/year, within 300 yuan, the small account management fee is 3 yuan/quarter, and the same city withdraws money from 2 yuan/pen (4 yuan, Guangdong); 1% credit card withdrawal amount, minimum 1 yuan/transaction. Other banks will charge 2 yuan interbank fees.

3 CCB: 5 yuan card fee, annual fee 10 yuan/year, within 400 yuan, small account management fee 3 yuan/quarter, 4 yuan +65438+ 0% of withdrawal amount in the same city.