Study Of Online Banking Regulatory Legal Issues

Since the 1990s, economic development promoted unceasing be utilized, financial development more from network support, so the online bank arises at the historic moment. In only a few years, online banking development conspicuous, from the original question until now the indispensable. The online bank to economic contribution is obvious to all. Provide convenient fast financial service as its remarkable advantage, attracts many customersHowever, it is because of this kind of phenomenon, and from the competent departments pay to implement effective regulatory measures, from the system of prevention to professional supervision personnel cultivation, from internal self-discipline to external audit supervision, etc, are all need a period of adjustment and launch, may say is a inoculation process, obviously would exist lag or imperfect place, therefore, online banking supervision of the relevant system problems with its growing but unceasingly derivative. Academics' launched thorough research and investigation, I just in this context, by investigating the more developed countries examples and enlightenment for our country currently online banking regulatory still existing problem of how to improve Internet banking supervision, proposes some Suggestions and opinions.This paper mainly divided into four parts, respectively is:Chapter1: online banking regulatory overview. Begin from basic concept, including Internet banking definition and characteristics. And then elaborates online banking supervision, the definition and the necessity and basic principle of online banking regulation have basic understanding. Furthermore, the paper expounds the emergence of the bank on the net and expansion of the traditional financial regulatory system for the challenge.Chapter 2: our online banking regulation legislation present situation and major problems. Mainly expounds the current online banking supervision system of legislation present situation, and then elaborates main existing problems. Is mainly the related laws and regulations is not perfect, there are many regulatory vacuum. Market access and withdrawal system is not perfect, unable to realize real-time monitoring of the bank on the net. Consumers benefit protection mechanism deletions, ultimately cause the public to the weakening of the bank on the net confidence, to the detriment of online banking development. The lack of multinational mechanism, to the detriment of as developing countries better use of international resource, but also may be affected by the international adverse factors, hinder the our country the bank on the net of healthy development.Chapter three: mainly developed countries and areas of Internet banking supervision their inspiration to China. Through the analysis of the United States, the European Union and the Hong Kong online banking supervision law system, summarizes the developed countries and districts online banking supervision law making its revelation to us, to our country to establish and perfect the online banking supervision law system has strong reference. For example, in establishing careful risk prevention and control system, mainly is completing related laws and rules of construction, To protect the interests of consumers and establish accident treatment way, Strengthening and regulating the supervision method, a many practical feasible criteria.Chapter 4: is this article core part. In view of the above questions, the experience abroad, put forward their views and ideas. Establishing and perfecting the legal system in our country the bank on the net, including an appropriate moment to build an online bank, and the view of the specific item release management measures and memos. To establish and perfect the market access and withdrawal mechanism, namely, maintaining market muck and reasonable use of administrative power supervision. To protect the interests of consumers and strengthening bank disclosure, accomplish both reasonable balance. Multinational regulatory mechanisms, mainly is to strengthen international cooperation, study international advanced experience, reduce the supervision cost.