The Research Of Supervision Law Of Internet Banking In China

Born in the1990s the network bank, is the internet banking technology with the combination of financial innovation, it is the future development direction of the banking industry. It was born is a "double-edged sword", both for financial services buyers provides a convenient and quick new financial services trade method, also give financial services users and regulators brought great risk. China’s internet banking is in the information technology is relatively backward, related laws and regulations are not perfect, the internet banking supervision level is not high cases appear quickly and the continuous evolution. Strengthening our country the internet banking supervision, is not only related to the customer benefit, the stability of China’s banking industry development and international competitiveness, and even directly related to China’s financial security. In this paper the legal system for the supervision of China’s internet banking and analyzes the existing problems, and through the developed countries and regions in the legal system for the supervision of internet banking, constructing the internet banking supervision legal system and multi-level regulatory framework, the hope of China’s internet banking supervision contribute.On the internet banking supervision is a multi-disciplinary comprehensive issues, is not only related to the information network technology also related to management system, supervision system, financial supervision, the banking regulatory and other economic and financial field of various questions, the integration of resources sex requirement is very high. In view of this, this article is to the legal theory of the basis, the fusion political economics, network informatics, banking, management science theory, combined with the practical situation of the development of the internet banking, through the list of examples, comparative research, reasons and problem analysis and so on many kinds of methods, to internet banking supervision from legal issues of further research and discussion. This topic research gathered a lot of theoretical material, refer to a large number of domestic and foreign material. On this basis, the legal system for the supervision of China’s internet banking existing problem of analyzed profoundly, and based on this, puts forward the legal system for the supervision of China’s internet banking of practical advice.The article is divided into four parts. The first part is the basic problems of the internet banking supervision. First summarized the definition of internet banking, summarized the internet banking of new features and through its and the traditional commercial bank more points out the internet banking supervision is facing new problems, and then from the theoretical source, economics, jurisprudence Angle analysis about the internet banking regulatory theory. The second part from four aspects of China’s internet banking points out that the legal system for the supervision of aspects of defects, respectively is the internet banking regulatory law system and legislation technology not perfect, the internet banking market access exit mechanism imperfect, the internet banking risk supervision insufficiency, the to the customer that protect the legal rights of insufficient. The third part is mainly analysis the United States, the European Union, Japan and Hong Kong area network in China bank supervision legal system. Through analyzing the developed countries and regions of the legal system for the supervision of internet banking is studied and analyzed, and finally summarized suitable for China’s legal system for the supervision of internet banking established the theory and practice of the enlightenment. The fourth part from clear corresponding legislative principles and puts forward concrete system suggest two levels to, to improve the legal system for the supervision of China’s internet banking of countermeasures.