商业银行收费权的范围及以收费标准在业界一直存在争议,而银行与客户之间关于银行收费问题的诉讼也一直不绝于耳。笔者对现下我国银行业不当收费问题进行了简单的整理,从商业银行收费权的动因和依据上分析了我国银行收费上存在的问题,认为一方面要合理划分商业银行自主定价和政府指导价的范围,另一方面则应该提高收费的透明度,确保客户享有充分的知情权和选择权。 The scope of the commercial banks’ fees and charges has always been controversial in the industry. The lawsuits between banks and customers about bank charges have also been heard. The author analyzes the problem of bank charges in our country from the motivation and basis of the right to charge of commercial banks. The author thinks that on one hand, it is necessary to divide the independent pricing of commercial banks and the price of government guidance on the one hand The scope, on the other hand, should increase the transparency of fees and charges, to ensure that customers have full access to information and options.