The Research Of The Legal Supervision Of Internet Banking

With the rapid development of information network technology, a variety of financial innovation are emerging, internet banking is one of. Increasing trend of economic globalization and international financial integration, internet banking as a financial innovation, but10years of the birth, and is becoming one of the important ways to change the competitive landscape of global banking. Accompanied by the further opening of China’s banking industry, the future of banking competition is increasingly fierce, If we say that China’s banks in response to foreign banks to participate in the competition in the domestic banking outlets, employing large-scale, then the emergence of internet banking will make this advantage disappeared. The face of increasingly complex market competition environment, the defects of the traditional banking supervision legal system will become increasingly evident, especially internet banking with virtual, network, global and open features led to the traditional banking supervision legal system can not fully achieve effective supervision. Thus, the particularity of internet banking, on the basis of the traditional banking supervision legal system to build a comprehensive network of banking supervision legal system is important.This article is based on the theory to economics, finance, law and other disciplines on the basis of the developed countries and international organizations, internet banking regulatory practice and theoretical study of the legislation, combined with the development of internet banking in China and its regulatory status quo, The integrated use of comparative analysis, empirical analysis, to enumerate the different analysis methods, and theory with practice research methods, research on internet banking supervision legal system. First, this article focuses on combing the existing theoretical research on the basis of for further reflection, especially economics, finance theory in the field of research is more mature, a lot of research internet banking supervision from the perspective of jurisprudence. Secondly, given the many problems faced by the recent global economic and financial development, research how to build a comprehensive network of banking supervision laws and regulations system innovative internet banking regulatory mechanism system, concerned about the protection of the financial interests of consumers, as well as strengthen the international regulatory co-operation of the network bank coordination. Finally, as the internet banking industry is in continuous development of internet banking supervision legal system is a continuous improvement process, Growing number of internet banking supervision the legal issues involved, such as banking and tax laws, intellectual property protection, third-party payment of legal issues to ensure that the network constructed on Banking Supervision legal system has strong practicability and prospective study an important direction.Swept through the global financial crisis in2008once again proves the need to further strengthen the supervision of the financial sector, But not to impede free competition in the financial industry, after all, the market economy is a free and fair competition in the economic system of protection is particularly important. For internet banking, a sound legal system is both the cornerstone of promoting healthy and orderly development of the internet banking industry, it is the " sword " safeguarding the legitimate rights and interests of financial consumers.