The Research On Legal Regulation Of Internet Banking In China

Internet banking as a financial field and the organic combination of the modern network technology, not only provides consumers with convenient and efficient channels, in virtual space expand the financial service platform for the future development of the financial industry provides possibilities. In our country, the birth of the internet banking has been presented flourishing development situation, for these ten years. Accordingly, new risks as challenges to the banking gladne even financial orderly evolution, bring enormous obstacles for the supervision of financial markets. Law as an important means of financial supervision, should play their due role in regulating. More important thing is facing the problems emerge in endlessly, which could should be strengthened. All this has a foundation for the future development of China's banking industry to create good legal environment, promoting the healthy development of internet banking. Than domestic and international internet banking supervision law system of material, it is not hard to find our country related legal system is more scattered, lag and no system, and legal theory research achievements and finance and administration discipline than rich enough. I think only based on theoretical height, with many years of experience, reasonable analysis of future form, we can summarize targeted scheme.This paper, starting from the basic theories of the bank on the net legal analyzing, using the method of comparison, the necessity of the bank on the net for legal supervision and study, learn from foreign advanced experience, with China's specific conditions, summarizes our online banking law supervision system, the principles, and accordingly to consummate the legal supervision system of internet banking, put forward one's own opinion. This paper mainly content is divided into four parts:The first part of main introduction of internet banking, including Internet banking legal definition of basic concepts as well technology dependence, flexible and open, high efficiency and customer of individualized service that different from traditional bank's characteristics. This is full-text theoretical starting point. Based on these features, internet banking existing security technology risk, business operation risk and legal risk, leading to the user information safety and credibility is low, makes the legal supervision and extremely necessary.The second part is the major countries, the organization and the area of internet bank law supervision system of elaboration, through the introduction of the United States, the European Union, the Basel committee and China's Hong Kong area supervision model, analysis of borrowing the characteristics of legal system for the supervision.The third part describes the current Internet banking laws of the legislative system and regulatory system established by the state regulatory body first. Then Analysis of the shortcomings of existing legal regulatory system is from imperfect legal system, market access exit system, Internet banking consumer protection and quality control personnel shortage.The last part is the recommendations of the legal regulatory systems. The basis of previous analysis of the text put forward in improving the legal regulation system of internet banking, should follow three basic principles. And under the guidance of the principle, put forward for our online banking supervision law system of legislative suggestions.