The Law Of The Internet Banking System Security Risk Prevention

The prerequisite of the sustained, stability, security operations of internet bank is system security of internet bank. Thus, we have to prevent the risks of system security in order to archive the system security of internet bank. The essential of the risk prevention is a synthetically legal problem, which have dense characteristic of technique and finance. Thus, it is inevitable to restrict the risk of system security of internet banking by the instrumentality of law.Nowadays, the legal precautions of the system security risks of the internet bank has three parts, such as the law of general system security risks, the criterions of technique measures and the supervision of system security risks of internet bank. In details, on the basis of coordination and harmonization of national laws, some important international and regional organizations put forward some principles, reference guides and model legislations; their members and other countries and regions combining their own reality reference the relevant principles and recognized effective practices in the relevant legislations.To make better use of legal means to prevent the system security risks of internet bank, we have to deeply understand the existing principles of the legal precautions and their guiding significance to guard against system security risks of internet bank. Meanwhile, by the way of comparative analysis, economic analysis of law and other research methods, conclude the accepted effective practices from the international specific legal precautions.Comparing our relevant legal precautions with the concluded international experience and our former legal precautions, it has great advancement to the former system, and also adequately referred the international advanced practice. However, it still exist some deficiencies, such as the insufficiency and lack of co-ordination of relevant system , the insufficiency of customer protection in the material system ,and the not clear responsibility of relevant bodies etc.Therefore, we should build upon the reality of our country and continue to learn from the effective practices of the international community, further perfect our legal internet bank. Such as adopt the legislation model of combing technology-neutral and technology-limited; perfect sound mechanisms to protect the consumer personal data and privacy rights; and further clear divide of the responsibility of relevant bodies.