With the continuous development of the financial system, domestic banks have sprung up like mushrooms after a rain in recent years. According to a report released by the China Banking and Insurance Regulatory Commission, as of the end of December 2019, there were 4,607 financial institutions nationwide, among which the banking industry

There are 4073 institutions.

Walking on the street, we can also find that in addition to pharmacies, restaurants and real estate agencies all over the street, banks can also be found everywhere.

The main reason is that the bank's profits are large enough.

Taking ICBC as an example, relevant data shows that ICBC's net profit for the whole year in 2019 was 312.224 billion, equivalent to 2.08 times Alibaba's net profit and 3.34 times Tencent Group's net profit in the same year.

Banks are also closely related to life. For now, the biggest problem for people is buying a house, which can easily cost millions.

People who can't afford a house can only deposit their money in the bank, while those who can afford it also need to pay off mortgages for decades.

Taking a house worth 1 million yuan as an example, after deducting 30% of the down payment, the remaining 700,000 yuan is used. If the loan is for 30 years, the total cumulative repayment will be about 1.5 million yuan, and the repayment amount is higher than the loan limit.

In addition to basic deposit and loan businesses, banks have gradually derived other businesses: investment business, liability business, intermediary business, financial management business, credit card business, trust business, etc., and financing channels have been greatly expanded.

Different from simple deposits in the past, when we go to the bank today, we often encounter bank employees constantly recommending financial products and credit card applications.

Although there are many banks, more than 90% are relatively small banks, and many of them will have some problems.

For example, the China Banking and Insurance Regulatory Commission has criticized five banks by name, namely Agricultural Bank of China, Pudong Development Bank, Bank of Dalian, Agricultural Development Bank of China and Beijing Rural Commercial Bank.

There are problems such as forced tying of insurance products, unreasonable charging of market-adjusted price fees, fees inconsistent with the services provided, and handling fees exceeding published standards.

As this type of banks are exposed, it also reflects two major problems currently occurring in some banks: Take the Agricultural Bank of China branch in Shishi City, Fujian Province mentioned above as an example. In June 2018, the bank signed a one-year "relationship agreement" with a company.

"Public RMB Settlement Package Service Agreement" and charges customers a fee of 520,000 yuan per year. However, according to the public data on the relevant package price list, the service fee is only 10,000 yuan per year, which is equivalent to 51 times more than the standard fee.

The same situation also happened to Beijing Rural Commercial Bank. The bank charged borrowers 2 million yuan and 8 million yuan in factoring business fees in 2015 and 2016 respectively. However, according to the charging standards published in Beijing Rural Commercial Bank’s service price list,

See, the bank should charge 0.3%-1% of the financing amount, but ended up charging an extra 5 million yuan.

Another example is that when applying for a debit card at a bank, you generally need to store an amount ranging from a few hundred to a thousand, but some banks launch apps that charge a "quarterly small management fee."

The same problems appeared on the "315 Illegal Fee List" that ended not long ago, such as illegally charging annual fees to some individual customers, illegally passing on collateral assessments to customers, inconsistent service charges with quality and price, and passing on mortgage assessments to borrowers.

Fees and so on.

Bundling sales are divided into two aspects, one is bundling sales with the user's knowledge, and the other is bundling sales without the user's knowledge.

To give a very simple example, for example, when many people apply for mortgage loans at banks, depending on how much financial management or insurance they purchase, the loan interest rate will be lowered. Although the results show that it is a win-win situation for both customers and banks, it violates the China Banking Regulatory Commission's "

Article 5 of the "Seven Don'ts" in the "Notice of the China Banking Regulatory Commission on Rectifying Irregular Operations of Banking Financial Institutions" stipulates that banking financial institutions shall not force bundling or tying when issuing loans or providing financing in other ways.

Wealth management, insurance, funds and other financial products.

On the other hand, the China Banking and Insurance Regulatory Commission has also launched a comprehensive campaign to clean up arbitrary bank charges in recent years.

In October last year, the General Office of the China Banking and Insurance Regulatory Commission issued a notice to all banking and insurance regulatory bureaus and major banking and insurance financial institutions, requiring the careful organization and implementation of the "Action Plan to Clean Up Arbitrary Bank Charges and Reduce Enterprise Burdens", which mainly includes four links: But having said that

, the above-mentioned situations are relatively rare, and most banks are relatively trustworthy institutions. The main purpose here is to remind depositors to be more cautious when handling bank-related business, and to have the courage to raise unreasonable charges when they encounter them.

Question, say no bravely, and use legal weapons to protect your rights and interests when necessary.