Online Banking In The Electronic Payment Of Civil Liability

As a new mode of banking services, the network using Internet technology at the bank to provide customers with information services and financial transaction services, but also faced with the new legal risk. Security constraints become the bottleneck of the development of Internet banking.In this paper, electronic payment rights and obligations between the parties and the legal relations between the basis of an analysis of the network because of the electronic payment from the bank to pay the special nature of traditional, and leads to a series of legal norms can not adjust the existing legal duty disputes reference to foreign legal representative, "the United States Uniform Commercial Code", it is recommended in our country to increase the content of the original legislation to regulate the system of special provisions of banks in electronic payment networks in the rights and obligations. We intend to not put the bank in case the burden. On the one hand, the introduction of risk management approach to reduce risk the possibility of the occurrence, on the other hand, for the protection of disadvantaged consumers, online banking for consumers to pay strict liability risk exposure.