欧盟成员国居民可在任意成员国银行开户 且享受“后悔期”
<p>欧盟委员会计划推出一项新政，允许所有成员国的居民在任意成员国的银行开设基础账户；同时，欧盟委员会还希望各家银行允许储户在比较收费细则后能在规定的时间内免费更换开户行。新政将要求银行为储户提供基础服务收费细则及过去12个月收取的各项费用明细，储户对比不同银行的收费规定后可在15天内在本国各银行间办理转户，30天内可在欧盟成员国各银行间免费办理转户。目前，英国已有政策允许储户在7个工作日内免费在本国银行间办理转户。据估计，欧盟各国15岁以上的消费者中有5800万没有付款账户。欧盟希望通过此举减少没有银行账户的人数，同时激励银行提供更好的服务并降低收费。</p><p><span word="European">European</span> <span word="residents">residents</span> <span word="will">will</span> <span word="have">have</span> <span word="the">the</span> <span word="right">right</span> <span word="to">to</span> <span word="open">open</span> <span word="a">a</span> <span word="basic">basic</span> <span word="bank">bank</span> <span word="account">account</span> <span word="in">in</span> <span word="any">any</span> <span word="country">country</span> <span word="of">of</span> <span word="the">the</span> <span word="EU">EU</span> <span word="and">and</span> <span word="compare">compare</span> <span word="the">the</span> <span word="fees">fees</span> <span word="charged">charged</span> <span word="by">by</span> <span word="providers">providers</span>, <span word="under">under</span> <span word="new">new</span> <span word="plans">plans</span>.</p><p><span word="The">The</span> <span word="European">European</span> <span word="Commission">Commission</span> <span word="is">is</span> <span word="outlining">outlining</span> <span word="proposals">proposals</span> <span word="to">to</span> <span word="make">make</span> <span word="it">it</span> <span word="easier">easier</span> <span word="for">for</span> <span word="customers">customers</span> <span word="to">to</span> <span word="compare">compare</span> <span word="charges">charges</span> <span word="and">and</span> <span word="switch">switch</span> <span word="to">to</span> <span word="another">another</span> <span word="bank">bank</span>.</p><p><span word="At">At</span> <span word="present">present</span>, <span word="many">many</span> <span word="consumers">consumers</span> <span word="find">find</span> <span word="it">it</span> <span word="difficult">difficult</span> <span word="to">to</span> <span word="open">open</span> <span word="an">an</span> <span word="account">account</span> <span word="in">in</span> <span word="another">another</span> <span word="EU">EU</span> <span word="country">country</span> <span word="where">where</span> <span word="they">they</span> <span word="are">are</span> <span word="not">not</span> <span word="resident">resident</span>.</p><p><span word="The">The</span> <span word="Commission">Commission</span> <span word="also">also</span> <span word="hopes">hopes</span> <span word="to">to</span> <span word="reduce">reduce</span> <span word="the">the</span> <span word="numbers">numbers</span> <span word="who">who</span> <span word="do">do</span> <span word="not">not</span> <span word="have">have</span> <span word="accounts">accounts</span>.</p><p><span word="It">It</span> <span word="estimates">estimates</span> <span word="that">that</span> <span word="about">about</span> 58 <span word="million">million</span> <span word="consumers">consumers</span> <span word="across">across</span> <span word="the">the</span> <span word="EU">EU</span>, <span word="aged">aged</span> <span word="over">over</span> 15, <span word="do">do</span> <span word="not">not</span> <span word="have">have</span> <span word="a">a</span> <span word="payment">payment</span> <span word="account">account</span>. <span word="The">The</span> <span word="levels">levels</span> <span word="vary">vary</span> <span word="hugely">hugely</span> <span word="across">across</span> <span word="different">different</span> <span word="states">states</span> <span word="of">of</span> <span word="the">the</span> <span word="EU">EU</span>.</p>
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