大家论坛

 找回密码
 注册
查看: 1016|回复: 7

[经济学人] [2009.11.28]Knockout 击倒

[复制链接]

200

主题

8217

帖子

3万

金币

大家网博士后

Rank: 22Rank: 22Rank: 22Rank: 22

积分
20364
发表于 2010-4-29 00:48 | 显示全部楼层 |阅读模式
Bank charges
银行手续费

Knockout
击倒

Nov 26th 2009
From The Economist print edition


A Supreme Court judgment does nothing for consumers
最高法院的判决并不能为顾客带来任何好处

Illustration by David Simonds

插图由大卫西蒙兹绘制



SINCE July 2007 complaints from 1.2m bank customers about unfair charges on their unauthorised overdrafts have been gathering dust while learned counsel fought an action through the courts. In the red corner, the Office of Fair Trading (OFT) asserted the right to assess the fairness of overdraft charges according to whether they vastly exceeded the economic cost to the bank. In the blue corner were eight lenders (some of which have since merged) arguing that the charges were clearly set out in contracts voluntarily entered into by current-account holders. Two lower courts had ruled in favour of the OFT. On November 25th the Supreme Court gave its judgment in the matter and—against most expectations—found for the banks.
自从2007年7月以来,120万银行顾客关于银行对其未经批准透支的不公平收费投诉已经落满了灰尘,然而有学识的律师争取通过法院提起诉讼。在红角上,公平贸易局(OFT)坚持维护根据透支收费是否大大超过银行经济成本来评估透支收费是否公平的权利。在蓝角上,共有8个(其中包含已经合并的)放款人辩称,费用在经常账户持有人自愿签订的合同中已经明确规定了。两个下级法院已经裁定公平贸易局胜诉。在11月25日,最高法院在这个问题上作出裁决并违反大多数人的期望而支持银行。

The court’s decision turned on a fine point of law, inspired by Brussels. At issue was the EU Directive on Unfair Terms in Consumer Contracts, transposed directly into English law in 1999. The killer clause seized on by the banks maintains that the fairness or otherwise of a contract cannot depend on the “adequacy of the price” but on whether its terms are stated clearly. The court agreed that the level of prices was not the issue; the clarity of the contract was.
受布鲁塞尔的启发,法院的判决开启了一个罚款的法律问题。问题是,欧盟对消费者合同中不公平条款的指令,在1999年直接转变成为英国法律。银行根据所执的关键性条款而坚持认为,合同的公平与否不能取决于“价格的适当”,而应取决于是否有明确的条款。法院赞同物价水平并不是问题所在,合同的明确性才是问题所在。

This need not be the end of the matter, said Lord Walker, one of the judges. Bank customers could still pursue their specific complaints and Parliament pass more consumer-friendly legislation. Lord Phillips, the president of the court, suggested that the OFT had other ways to challenge the “relevant terms” of the contracts, and that the issue might be taken to the European Court of Justice.
其中一名法官沃克勋爵说,这并不是问题的结束。银行客户仍然可以寻求其具体的投诉并且议会通过了对消费者更友好的立法。该法院院长菲利普斯勋爵建议公平贸易局采用其他方法来质疑合同中的“有关条款”,而且这个问题可能被提交到欧洲法院。

But the ruling is nonetheless a blow for the competition watchdog and a boon for the lenders. An OFT market study in 2008 showed that banks were making around a third of their retail income from overdraft charges, and that their terms were neither clear nor subject to effective customer control. Had the case gone against them, the lenders—which include HSBC, Santander, Barclays, Royal Bank of Scotland and Lloyds Banking Group—stood to lose some £2.6 billion ($4.3 billion) a year. And claims dating back many years might well have been presented.
但裁决仍不失为竞争监管的一个打击和放款者的一个福音。2008年公平交易局的市场研究表明,银行零售业务收入的三分之一来自透支项目收费,而他们的条款既不明确,也不受到有效客户控制。要是这个案子对包括汇丰银行,桑坦德银行,巴克莱银行,苏格兰皇家银行集团和劳埃德银行集团在内的放款人不利,它们一年会损失约26亿英镑(约合43亿美元)。并且可能出现追溯到多年以前的索赔。

Before 2007 consumers brought numerous complaints to county courts and the Financial Ombudsman Service (FOS), which were dealt with in ad hoc fashion. While the OFT case was pending, the Financial Services Authority, which regulates banks, suspended the requirement that they deal with cases or refer them to the FOS within eight weeks. That suspension has now been lifted, but there is little clarity as to how complaints will be resolved.
在2007年之前的消费者向郡法院和金融巡视员服务局(FOS)提交了不少投诉,它们以特别方式来处理这些投诉。当公平贸易案件悬而未决时,负责监管银行的金融服务管理局会中止对他们处理案件的要求或将案件在八周内转交给金融巡视员服务局。这种中止行为现在已被解除,但是投诉将如何解决尚不明确。

Taking a deep breath, the OFT says it will have a think and issue another statement in December. In the meantime, it is not clear whether the court’s decision will help or hinder competition. Retail banking has become increasingly concentrated in recession, and this decision will reinforce the survivors. That said, although British customers are notoriously sluggish about switching banks, those who are truly outraged do so. Perhaps this time the worm will turn.
松一口气,公平贸易局表示将在12月份考虑并出台另一个声明。与此同时,还不清楚法院的裁定是否将有助于或妨碍竞争。零售银行业务在经济衰退时期越来越集中,这个决定将增强幸存者。那就是说虽然英国顾客是出了名的惰于更换银行,但是,这些确确实实被激怒的人们在变换银行了。也许这一次这些无足轻重的小人物会改变。
回复

使用道具 举报

233

主题

8453

帖子

3万

金币

大家网博士后

Rank: 22Rank: 22Rank: 22Rank: 22

积分
20948
发表于 2010-4-29 01:08 | 显示全部楼层
欢迎大家批评指证~
回复 支持 反对

使用道具 举报

212

主题

8270

帖子

3万

金币

大家网博士后

Rank: 22Rank: 22Rank: 22Rank: 22

积分
20513
发表于 2010-4-29 01:28 | 显示全部楼层
In the red corner, the Office of Fair Trading (OFT) asserted the right to assess the fairness of overdraft charges according to whether they vastly exceeded the economic cost to the bank.

后面的economic cost的意思是经济成本。不是损失。

所以后面的意思应该是,对透支收取的费用是否大大超过了银行所付出的经济成本。
回复 支持 反对

使用道具 举报

269

主题

8324

帖子

3万

金币

大家网博士后

Rank: 22Rank: 22Rank: 22Rank: 22

积分
20597
发表于 2010-4-29 01:48 | 显示全部楼层
Retail banking has become increasingly concentrated in recession, and this decision will reinforce the survivors.

reinforce在这里应该不是增加,而是增强吧。
回复 支持 反对

使用道具 举报

299

主题

8322

帖子

3万

金币

大家网博士后

Rank: 22Rank: 22Rank: 22Rank: 22

积分
20747
发表于 2010-4-29 02:08 | 显示全部楼层
的确应该是成本而非损失~
回复 支持 反对

使用道具 举报

218

主题

8192

帖子

3万

金币

大家网博士后

Rank: 22Rank: 22Rank: 22Rank: 22

积分
20216
发表于 2010-4-29 02:28 | 显示全部楼层
如果是“增强”的话,意思就是因为银行的数量少了,所以剩下的这些银行就很有优势,不会像以前那样竞争激烈了,是这个意思么?

还有,非常感谢你的点评~
回复 支持 反对

使用道具 举报

178

主题

8138

帖子

3万

金币

大家网博士后

Rank: 22Rank: 22Rank: 22Rank: 22

积分
20103
发表于 2010-4-29 02:48 | 显示全部楼层
"但他们是真地不愿这样做"
但是,这些确确实实被激怒的人们在变换银行了。
回复 支持 反对

使用道具 举报

216

主题

8110

帖子

3万

金币

大家网博士后

Rank: 22Rank: 22Rank: 22Rank: 22

积分
20165
发表于 2010-4-29 03:08 | 显示全部楼层
谢谢点评~
回复 支持 反对

使用道具 举报

您需要登录后才可以回帖 登录 | 注册

本版积分规则

诚聘英才|移动端|Archiver|版权声明|大家论坛 ( 京ICP备06071611号,京公网安备11010802018363号 )

GMT+8, 2021-9-24 02:17 , Processed in 0.656031 second(s), 22 queries .

Powered by Discuz!

© Comsenz Inc.

快速回复 返回顶部 返回列表