Compared with the developed countries abroad,Chinese bank insurance is in the initial stage of "retail agreement" in which an insurance company pays a bank service charge to promote the sale of its products.

From credit card users,the expenses of holding credit card include fixed costs,possible cost and potential cost,which corresponds to annual fee,all kinds of service charge and cycle interest.

The commission charge of cross-bank drawing cash of commercial bank is a focus problem of our payment card industry,and is also an important competition tool of commercial banks.

Consideration on preception and improvement abstraction and usage of procedure fee of personal income tax;