银行收取服务费是市场经济规律的重要体现,加强监管是基于现实的必然选择。收费的核心问题是要合理界定政府和银行在服务定价中的权力范围,在定价上应当逐渐减少政府干预,以银行自主定价为主导并辅以适度监管。金融服务收费的规范必须通过加快立法等途径来实现。 Service fees charged by banks are an important manifestation of the law of the market economy. Strengthening supervision is an inevitable choice based on reality. The core issue of charging is to reasonably define the scope of the power of government and banks in service pricing. Government pricing should be gradually reduced to reduce the government intervention, which is dominated by bank-based pricing and supplemented by moderate regulation. The norms of financial service charges must be achieved through the acceleration of legislation and other means.