Study On The Legal System Of Supervision Over E-bank In Our Country

E-bank, a brand new financial service, influences contemporary life all the more by its convenience and rapidity. It also becomes an orientation for the banking development in the Internet Age. From90online-shopping, train ticket buying to financial investment, fiduciary loan, e-banking has involved in every aspect of life.However, there is something that cannot be ignored. Recent years have witnessed cases like short message cheat, information leakage and international payment dispute which plague clients of e-banking rise after one another. We should be clear-headed about the fact that e-banks not only suffer from interest rate risk, liquidity risk, legal risk, and operational risk of traditional banks, but there are other features of new risks in that their negative influence spread fast in a wide range and risk is often hard to control. As a "public" and "social" bank product, once it suffers from risk, threat or destruction, it will exert a chain and fatal influence over client interest, bank reputation and the stable and sound development of e-banking as well as society and economy at large. For this reason, regulating and controlling e-banking risk and ensuring a safe and sound financial industry have become a new problem that needs to be urgently solved in modern financial regulation.Proceeding from the birth, definition and development of e-bank, this paper analyzes the sources and influences of e-banking risk and studies the necessity of e-banking regulation and internationally used regulation principles. After studying laws and rules of China’s e-banking regulation, it also summarizes some problems in legal system of China’s e-banking regulation. Comparing development of e-banking regulation laws in both home and abroad, it proposes some essential ideas on improving laws and rules of China’s e-banking regulation.This paper is divided into five parts.The first part is on the research significance, present researches in both home and aboard and elaborates on the key and difficult points as well as the creative ideas.In the second part, the author analyzes the development, features and risks of e-bank. Studying its potential immense influence over the entire society and economy, this part clarifies the necessity of regulation. Studying the fundamental structure of e-banking regulation legal system, it helps lay a firm foundation for China’s legal system of e-banking regulation.The third part expounds the status quo of China’s legal system of e-banking regulation. Analyzing the development of China’s e-bank and evolution of laws on its regulation, this part absorbs the strengths and explores the shortcomings.In the fourth part, in light of studying on e-banking regulation laws and regulations in US and Hong Kong, it explores the useful experience that can be drawn upon.In the fifth part, establishing the factors and principles that need consideration in improving legal system for regulating China’s electronic currency, it proposes the idea that the e-banking law should be enacted in China and specific mechanism for improving it and suggestions on legislation in terms of client right, anti-money laundering control, international cooperation and the like.