The Research On System Of Legal Supervision Of China's Internet Banking

Online shopping is changing our style of lives rapidly with the development of internet technology and economy.The record of online transaction was broken by means of internet banking and the third trading platform again on 11 th November,2016.Internet banking is the combination of traditional commercial banking business and network information technology,therefore,it doesn't only have advantages of both of them,but also forms its own unique advantages of convenience,speediness,space-time spanning,low cost and almightiness operation.However,compared with the traditional banking,network bank is also a double-edges sword,which brings risks that traditional banks do not meet.It's not only facing lots of operation risks like other traditional banks but also more complex technology risks than theirs due to exoteric condition,complex technology,fictitious trade,national boundaries spanning and uncertain law and codes which make supervision more difficult.The practice has indicated that new method and modern info-technology management measures should be used to manage technology risks since it's difficult to recognize to supervise,control and manage internet banks' technology risks by the supervision pattern and procedure of traditional banks.By contrast,legal system framework can be designed easily in order to control and guard against the risks of network bank.This paper is divided into three parts:The first part simply introduces the specific contents of the network bank,mainly on the definition.Main characteristics of the network bank and classification are expounded.The second part of detailed analysis of the network bank risk faced by meaning,risk characteristics,the causes of the formation of risk,risk type and risk prevention.On the basis of network bank,the essay discusses the necessity of legal regulation,through the network Banks around the world of the comparison of the legal supervision system,to establish a legal supervision system suitable to China's network bank to provide reference.Then it puts up profound research on internet laws of risksaccording to the overall introduction of overseas legal supervision and management experiences in order to finally put forward some specific and feasible suggestion of domestic internet banking supervision.The third part in view of the above puts forward the network bank risk and tries to give the author thinks that the feasible way to solve.For one thing,it is to build a unified government regulators to solve the main body in regulatory system as soon as possible.For another thing,it is to strengthen the building of association of industry self-discipline and social supervision main body role to play.Through the above analysis and research about the network bank in our country legal risk prevention countermeasures is put forward thinking to perfect our country's social credit system and customer's deposit insurance system.Legal supervision system of network bank can be enacted to control and guard against the risks to maintain the healthy development of network bank.