The Legal Supervision Of Network Bank In China

With the application and development of electronic commerce all over the world network bank also springs up in the global scope. The emergence of network bank, changed the management system and operation mode of the traditional financing institution. It made bank turn directly to the conjecture from the entity and made the bank business processing turn to no paper. The new characteristic enabled network bank provide a new finance service with that the customer would be free from the time and space restrict. So, the new finance service could open financial service realm widely, raise the financial service quantity, and reduce the financial cost. However, with the extra income that the new technique bring us, there are corresponding new risk which is generated from network bank. Therefore, the risk management of network bank must be strengthened to ensure the quick and healthy development of network bank. According to this, we inquiries into the risk that network bank would face and discussed how to carry on risk management of network bank in the text. And the full text is divided into four parts.The first part inquiries into the concept and characteristic of network bank. And network bank has the following characteristics: the first, network bank is provides the financial service take the network as the foundation;the second, network bank is faster and more convenient;the third, network bank can innovate and develop quickly.The second part analyzed the risk of the network bank, and the main risks of network bank are displayed as follows: one is operation risk;two is mobility risk;three is system risk;four is transnational risk;the end is law risk.The third part mainly analyzed the present condition and existent problems of network bank in our country, and emphasized to discuss the existent problem. These problems include: firstly, the law frame is still not perfect to guarantee the network bank business carrying out effectively;secondly, the existing management system and means are not applicable in the network bank business;thirdly, the management of the network bank business lack protect in customer's benefits;fourthly, the institution of market permission exists blemish.The fourth part discussed to consummate supervision legislation of network bankfrom three aspects. First, we inquiries into the supervision principle of network bank in our country. These principles include: the cautious supervision principle;the customer's benefits protection principle;divided supervision and functional supervision combination principle;the international supervision principle;safety principle. The next in order, we analyzed the supervision mode of network bank. The conclusion is that our country should adopt a kind of supervision mode which combines the government supervision > the bank guild self-discipline management and the bank inner management. At last, we approach what means should be applied in the network bank business supervision. These measures include: consummates current law system;consummates construction of various basic system of network bank;strengthens the international and the regions network bank management cooperation;pays attention to management of mobility and safety risk in network bank.