| Online bank is the new model of financial service which derives from internet development and wider application of E-Commerce. Although online bank makes people's life more convenient, it still poses great risks on rights and interests of bank's consumers, since it is more vulnerable to network illegal violation than traditional banks. Because current laws and regulations is not sufficient enough to cover rights and interests of online bank consumers, so the protection on rights and interests of online consumers are attracting more and more attentions.The protection on rights and interests of online bank consumers is the subject of this dissertation. Through this paper, by virtue of relevant cases, the writer will analyze the current status and existing problem in this filed in China and propose some constructive recommendations with hoping to intensify protection on rights and interests of online bank consumers.This paper has 4 parts.The first part introduces 3 typical cases to outline the problems which are common phenomenon in this regard, and identify some concepts involved with online bank and online bank consumer in this paper.The second part focuses on analyzing rights and interests which are vulnerable to online crimes with emphasizing on major problems incurred in this field, such as online payment security, standard form contract, consumer's privacy, consumer's the right to know and reasonable claim rights etc.The third part analyzes the causes of insufficient protection on rights and interests of online bank consumers which include bank's inherent weakness as well as external factors.The forth part proposes some ideas about improvement on legal framework in this regard and intensively discusses how to strengthen current laws and regulations, improve the market access and market exit systems and intensify consumer-oriented supervision with aim to bring forward some recommendations to improve our country's relevant laws and regulations. |
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