Security Obligations Of Internet Banking

With the advent of the information age, Internet banking, which is an important part of e-commerce, is the product of the combination of the financial industry and the modern information technologies. The substance of the internet banking is still in the scope of financial services or product. But the rights and obligations involved in the relationship between the main body should be changed because of the the changes in services mode. Civil and Commercial Law in the traditional system does not have enough direction to adjust the new relationship, which led to various problems of the judicial practice. This paper is written from above-mentioned view. It starts from the safety and security obligations of the legal theory itself, then defines the obligations of Internet banking security combined the features of internet banking and makes the reasonable analysis. Ultimately, it makes ideas for improving the internet banking security obligations system combined with the above-mentioned discussion.This paper is divided into the following parts:First, it starts from the origin and development of safety and security obligations, explores its legal basis and the nature, content of the security obligations. Second, analysis of China's current internet banking market practice and issues combined with the features of the security obligation, and countermeasures for the problems at home and abroad. Third, analyzes the characteristics of Internet banking compared with the security obligations of the traditional bank. Then analyze the connection of the characteristics of Internet banking and the problems the internet banking facing. And then defines the obligations of Internet banking security combined the features of internet banking and makes the reasonable analysis. Finally, discuss the way to build a clear internet banking security obligation system combined with the above-mentioned discussion, such as clearing the scope of the internet banking security obligation, adding the special liability principle and so on.