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账户管理费作为商业银行中间业务的一种,是指商业银行因向其客户提供账户管理服务而收取的费用,如接受账户信息咨询、提示还款、每月接受还款、账户维护等,而向客户收取的一定数额的费用。一般来说,账户管理费可以分为存款账户管理费和贷款账户管理费。商业银行收取账户管理费是否有法律依据?商业银行对该费用的计算基数如何确定?收取是否符合交易惯例?法院如何来进行司法认定?
As an intermediate business of commercial banks, an account management fee refers to the fees charged by commercial banks for providing account management services to their clients, such as accepting account information consultation, prompting repayment, accepting monthly repayments, maintaining accounts, etc., and The customer charges a certain amount of fees. In general, account management fees can be divided into deposit account management fees and loan account management fees. Commercial bank charge for account management whether there is a legal basis? Commercial banks on the calculation of the cost of how to determine the base? Whether the transaction is consistent with the transaction practice? Court how to make judicial decisions?