商業銀行歧視消費者法律規制

Lagal Regulation on Discrimination against Ordinary Consummers by Commercial Banks

商業銀行歧視，因其細分標準有違法律精神和社會普遍價值認同，不同服務並非建立在不同價格之上，犧牲消費者利益來優待貴賓。身份歧視與非自身歧視、現實歧視與網絡歧視、人格歧視與財產歧視、有形的歧視和無形的歧視、商業銀行內部服務歧視與外部延伸服務歧視是歧視的主要表現，其法律原因和自身定位錯誤及高度管制下商業銀行壟斷地位。因此有必要承認商業銀行具有一定公共產品性質，設定平等服務基本義務；將過度優待貴賓認定為商業賄賂，嚴加懲處；通過行政監管與司法救濟進行落實。Commercial Banks discriminate against ordinary consumers, because their segmentation criteria are contrary to the spirits of the law and universal values to our society, and different services are not built on different price, and they sacritice ordinary consumers' rights to give preferential treatments to VIP consumers. Identify discrimenation and non-identify diacrimination, discrimination in real life and network discrimination, discrimination on personality and discrimination of property, tangible discrimination and intangible discrimination, internal discrimination in commercial banks ad discrimination on xternal services, all above are main forms of unfair treatments, because of their own wrong positioning and commercial banking monopoly. It is necessary ro treat commercial banks as public goods, to set equal access to services as basic obligation; identify excessive preferential VIP consumers as commercial bribery consumers and consumer groups.