On The Perfection Of Legal System Of Risk Supervision Of Internet Banking In China

With the popular of information technology, the global financial industry has also beenthe frenzy swept by, the age of the Internet opens the financial sector. At the same time,the global Internet banking industry, become an important force in the financial industry.In fact, the bank on the net is both a blessing and a curse. As a new force, has strongvitality and superiority, and its fast, timely and open features, greatly improving theefficiency of financial transactions and services, also save a lot of resources. But at thesame time, the operation of the bank on the net also to financial institutions and onlinebanking customers have brought huge risk. The characteristics of its openness, global alsomakes it significantly more losses than traditional Banks, the traditional regulatory systemalso formed the violent impact.In this paper, by investigating the actual situation of domestic and foreign onlinebanking supervision, to the bank on the net related risk classified as three types: one isrelated to technical risk; The second is the risk associated with the business; Three isrelated to legal risks. From these three kinds of risk, this paper discuss the currentregulatory system, all kinds of risks exist loopholes and shortcomings, and the regulatoryexperience of developed countries for reference, using the method of literatureinvestigation and inductive analysis method, of online banking risk regulation in ourcountry, put forward feasible suggestion. The article has four parts:The first part Outlines the basic content online. Including to make a comprehensive andaccurate definition of the bank on the net, and analyzes the specific characteristics; Facingthe risk of the bank on the net, and the impact on the traditional risk regulatory systemconstitutes.The second part of the present situation of our online banking risk supervision legalsystem and problems for further. Introduces the actual state of legislation in the onlinebanking supervision; From a technical related risk, business risk and legal risk analysisexistence question and the insufficiency. The third part inspects the practice of the foreign Internet banking risk supervision,mainly introduces the important documents of the Basel committee on bankingsupervision and regulation principle, the United States, Singapore and Hong Kongregulatory practice in our country, to give our online banking risk regulatory legislation,regulatory agencies, regulatory approach to enlightenment and regulatory principles, thusconsummates our country supervision work.The fourth part puts forward Suggestions on the perfection of legal system of risk of thebank on the net. According to technology related risk problem, improve the system ofsafety evaluation, strengthen the safety certification institution of access, exit, and safetyregulation, and the rules for the refinement of outsourcing; According to the riskassociated with the business problem, strengthen the supervision of strategic risk,perfecting the credit risk regulation; In view of the problems associated with legal,refinement of the bank on the net access system, added out of the bank on the netsystem.By changing the supervision model of online banking and regulatory approach,explicit regulation subject and its responsibility, perfect the supervision system of the bankon the net.