Study Of The Risk Of Online Banking Regulatory Law

The development of technology and communication impel the production of Internet Bank. Internet Bank is one kind of results of finance revolution by electronics technology, and the revolution broke through the limit of time, area, and national boundaries. The characteristics of Internet Bank, such as fictitious organization, "AAA" service and so on, make the new type bank have the advantages that traditional bank wouldn't have. The development characters and convenience of Internet Bank make it be the tendency of bank. Internet Bank gives people a lot of convenience, however, it leads to great risk, and raises challenge to law which is on the basis of national boundaries and paper contract. The existing factors make risk and safety be the important elements that hinder the development of Internet Bank. Therefore, it is necessary and urgent to carry on effective supervision to Internet Bank, and doing research on risk supervision from legal angle will have essential value. There are six parts in the paper, preface, the first part, the second part, the third part, the fourth part and conclusion. The first part, the main content is to analysis the concept and characters of Internet Bank, and define the concept of Internet Bank of China in the paper. Further define the concrete content of general risk and special risk of Internet Bank. At the same time, analyze the problems such as the theoretical basis of Internet Bank supervision, the challenge of Internet Bank to the traditional banks and so on. The second part, further analyze the existing problems of Internet Bank's supervision in China. So far, there are a lot of problems in the area, such as the absence of protection to customers, the imperfections of legal system on Internet Bank supervision and so on. The writer analyzes the problems deeply in order to find the core of the settlement to Internet Bank supervision in China. The third part, introduce the international practice of Internet Bank supervision, and analyze the international practice of Europe and America deeply. Summarize practice of Europe and America on Internet Bank' supervision on target, style, principle, organization, content, form and development tendency. Study the international practice and make it suitable to our native country. The fourth part, put forward to scheme to perfect system, target, and law of supervision according to our existing condition and international practice, in order to get the effective method to make the legal system of Internet Bank supervision in China perfect. The production of Internet Bank and electronic money, will lead people to a society of no paper and no money. During the revolution, traditional law is not perfect, from idea to form. Technology and law represent the radical power and the conservative power, and law should be changed to the rapid development of Internet Bank and the absence of law. This is the starting point and the end-result.