Online Banking Supervision Legal System

Internet banking is the outcome that the technology combines with the finance, and its emergence gives the traditional banking series of system changes that never existed. It also brought the unprecedented risks to the banking system at the same time. These risks interfere with the banking operation and make enormous challenge to our existing supervision system. Therefore, being on guard and controlling the financial risk to pledge the finance to operate safely is a new subject to be solved urgently when establishing and developing internet banking.In recent years, the construction of financial information and popularity of the internet enable internet banking in China develop. rapidly. Therefore, our legal institution of supervision can not meet the needs of the effective supervision. However, by far the productions of the study have been focused on financial field and economic field; the study of this issue in legal field is very few. The aim of this thesis is to study the supervision problems from the legal point of view based on the current situation of China and to improve the legal institution of supervision on internet banking.The thesis discusses all kinds of risks of internet banking based on economic and legal theories, and summarizes the successful supervision experience of developed counties and areas. Moreover, the thesis brings forward some measures to improve the legal institution of supervision on internet banking in China. The text is divided into four chapters which go as following:The first chapter mainly introduces the principle of the internet bank and the supervision of the internet bank. This chapter is divided into three parts:At first, the author introduces the definition of internet banking, and then analyzes the special risks of the internet banking. Next, the author points out the great necessity of setting up the legal institution of supervision on internet banking.Chapter two introduces supervision legal system of internet banking in developed countries, such as the U.S.A., Germany, Britain, Singapore and Hong Kong which have already set up the legal institution and carried them out. The author concludes their successful experiences on the objective, principle, pattern and legal system of internet banking supervision which help to improve the legal institution of supervision on internet banking in China.Chapter there mainly analyzes the current situation, trait and especially, the existing problems of the internet banking in China. We have already set up the preliminary institution of the supervision on internet banking in China, but there are too many shortages in the model, the system, the principle of the supervision legal institution.Chapter four points out the frame of the internet banking supervision legal system and then gives the detail advice which helps to perfect the institution of supervision on internet banking, according to the specialty of internet banking and the experience of the international practice.The clue of the thesis is the specialty of risks of internet banking. According to the theories of the supervision on banking, the author concludes the successful international experience. And based on that successful experience, the author analyzes the actuality of the legal institution of supervision on internet banking in china and gives the detail legal advice and measures.