Network On Banking Supervision Legal System

Internet banking is the product of technological progress and financial innovation,Its born has a significant for the banking development and innovation. It is an important part of the financial industry. In only a dozen years, Internet banking is springing up in the world. Its emergence gives the traditional banking sector a series of institutional change and unprecedented opportunities for development,it also gives consumers with convenient on-line banking, provides a platform for financial derivation ,gives banking sector a very rare development opportunities. However, we should recognize, although the internet banking has many advantages, but because it has accustomed to virtualization, digitized, and "3a "( anywhere, anytime, anyhow ) characteristics and so on, so it has brought many risks, and risks for Internet banking has a different from traditional banks of the new forms of expression. In the attack, the scope of the attacks were attacks by means of various ways, it should also lead to more risks than the traditional bank. These risks are not only seriously affect the health of sustainable development of the banking and financial regulation of great challenge to traditional banking. Former supervision system, mode and system, etc is becoming increasingly not adapted to the internet banking supervision. Therefore, to build the internet banking supervision system must be enforced. Currently, Chinese Internet banking is at the stage of rapid development, but the domestic legal system of the existing regulatory network can not be achieved on the need for effective banking supervision. We urgent need to respect china's legislature and speed up internet banking supervision and law system of legislative process.Research information and documents, We find supervision of domestic banks for research network focused on finance and economics, areas of law on the issue of still rare, especially to internet banking supervision of the research results are few, The reasons, partly for the development of internet banking time is short, as a new-born thing is not causing much concern, it also dues to the Internet banking supervision has not caused the question of attention in the legal profession. Therefore, in this sense, this article is from the perspective of Internet banking supervision of the legal system to study the problem, not only of theoretical significance, but also has important practical significance.Internet banking supervision system and legal problems involved a network for network industry, finance, banking supervision system and management system and many other areas, this theory uses of analysis and comprehensive approach, empirical analysis, cause analysis of the method for different aspects of the papers on the subject of in-depth study. The subject of research needs to gather a lot of information, refer to a large number of domestic and international data on this basis, gives the status quo on paper in our internet banking legislation, explains the various risks faced by Internet banking, Summarizes some national and regional networks of Internet banking supervision of the Legal System and the Enlightenment for china, Analysis of the current legal system of banking supervision of network problems, on this basis, propose a measures and suggestions of improving the legal system of network banking supervision .This article is divided into four chapters:Chapter one: Overview of the Internet banking and the supervision of the Internet banking. First defined the concept of network bank and analyzes its characteristics, on this basis, leads to various risks faced by the network bank, Include system risk and operational risk. Then defining the concept of the network system of banking supervision law. At last, analysis of the challenges for the legal system of network banking supervision and the need for network banking supervision.Chapter two: Study of Some Developed countries and regional network Banking legal system of supervision and its Implications. Briefed successful experience of the United States, Britain and China's Hong Kong legal system of network banking supervision, on this basis, it comes to several Enlightenment for our country. Chapter three: Analysis of Internet banking supervision in China's legal system. The progress and the defects of Internet banking supervision on the legal system in China were primarily analyzed.Chapter four: perfection of Internet banking supervision in Chinese legal system. Analysis problems of the previous chapter for network banking supervision of legal system in our country, Propose some specific suggestions of improving the network banking supervision in China's legal system.