中国银行业监督管理委员会、国家进步和改革委员会令[2003]年第3号
颁布日期：20030626 推行日期：20031001 颁布单位：中国银行业监督管理委员会、 国家进步和改革委员会
[2003] No.3 of China Banking1 Regulatory Commission
June 26， 2003
Article 1 In order to standardize2 commercial banks' behaviors in service pricing， safeguard consumers' legal rights and interests， and to promote the healthy development of commercial banks， the Measures are formulated4 according to the Commercial Bank Law of the People's Republic of China and the Price Law of the People's Republic of China。
Article 2 The Measures apply to all service pricing behaviors of commercial banks occurred in the territory of the People's Republic of China.
Article 3 The commercial banks herein refer to bank institutions set up in accordance with the Commercial Bank Law of the People's Republic of China and the Regulation on the Management of Foreign-Invested Financial Institutions of the People's Republic of China。
Article 4 The commercial banking services herein refer to various toll5 banking services in home currency and foreign currencies that are provided to customers by commercial banks.
Article 5 When formulating6 service prices and providing banking services， commercial banks shall comply with the provisions of relevant state price laws， rules and regulations of the State， observe reasonable and open principles and principles of good faith and consistence of price and quality， focus on their customers， increase service varieties and improve service quality， thus enhancing their service levels and forbidding use of service prices for unfair competition.
Article 6 According to the nature and characteristics of services and the competition situation in the market， commercial bank services should adopt prices instructed by the government and adjusted by the market respectively.
Article 7 The following commercial bank services adopt prices instructed by the government：
（1） Basic settlement businesses in RMB， including bank drafts， bank acceptances， promissory notes， checks， currency exchanges， authorized7 collection and acceptance and payment by collection.
（2） Commercial bank service items determined8 by China Banking Regulatory Commission and State Development and Reforming Commission based on the extent of the influence of inpiduals and enterprises and institutions and the competition situation of the market.
Other services provided by commercial banks， exclusive of the above-mentioned items， should adopt prices adjusted by the market.
Article 8 The service prices under instruction of the government shall be formulated in the principle of cosplayt maintenance with slight profits and the specific service items， their benchmark prices and floating range shall be formulated and adjusted by the State Development and Reforms Commission jointly10 with China Banking Regulatory Commission.
Article 9 The service prices under market adjustment shall be formulated and adjusted by the head offices of commercial banks and branches of foreign banks （or master reporting banks， if any）， and any other branches and sub-branches of commercial banks should not formulate3 or adjust the prices concerned at their own discretion11. When formulating the prices， the commercial banks shall take full consideration of the affordability12 of inpiduals and enterprises and institutions.
Article 10 In handling with collection and payment services， the commercial banks shall abide13 by the principles of whoever authorizes14 pays the charges， and shall not charge with other unit or inpidual than the authorizer.
Article 11 The commercial banks shall not charge against opening of savings15 account in Renminbi， revocation16 of such account， deposits of savings in Renminbi occurred within the same bank corporation of the same city and withdrawal17 below big sum， except for withdrawal of big sum and saving services of change arrangement.
The definitions of changes' and big sum and the formulation and adjustment of the relevant service prices are in the charge of China Banking Regulatory Commission.
Article 12 The commercial banks shall formulate the uniform pricing management system concerning the service items under market adjustment， thus clarifying the pricing scope， principles， methods and the management responsibilities of the head offices and their branches.
Article 13 The commercial banks shall publish their service items， service content and service pricing standards at their business points according to the relevant provisions on clear-cut marking of prices by commodities and services.
Article 14 The commercial banks shall report to China Banking Regulatory Commission at least 15 working days before implementation18 of the service prices formulated by them according to the Measures and shall make announcement at the relevant business points at least ten days before execution.
While reporting the above-mentioned items to China Banking Regulatory Commission as specified19， the commercial banks shall make copy to China Banking Association.
Article 15 The service items adopting market adjustment prices and the services prices of the commercial banks shall be properly published by China Banking Association under social supervision20.
Article 16 In case of any of the following acts on the part of the commercial banks， the government competent pricing authority shall impose corresponding punishment according to the Pricing Law of the PRC and the Regulation on Administrative21 Punishment Against Offenses22 in Pricing：
（1） Formulating the service prices at discretion within the pricing scope under direction of the government；
（2） Exceeding the floating range of the pricing under direction of the government；
（3） Not marking the prices according to the provisions； and
（4） Other acts in violation23 of laws and regulations in breach24 of the provisions of the Measures.
Article 17 In case the commercial banks have violated the provisions of Articles 9， 12 and 14 of the Measures， China Banking Regulatory Commission shall handle with the case according to the provisions of the relevant laws， administrative laws and regulations and stipulations.
Article 18 In case policy banks， urban credit cooperatives， rural credit cooperatives， post saving institutions， joint9 venture financial companies and wholly foreign-owned companies provide the services specified by Article 4 of the Measures， the service prices shall be executed in compliance25 with the provision of the Measures.
Article 19 The Measures shall come into force as of October 1， 2003.
Article 20 The previous provisions on the service prices or charge of commercial banks in conflicts with the Measures shall be repealed26.
