The Legal Supervision Of Network Bank In China

The network banks originated in the1990s, the birth of the20th century, is of greatsignificance for the transformation and development of the banking industry. With thedevelopment and progress of network technology, the innovation of financial derivatives,generated by this new thing and rapid development of Internet banking. Network banks tobreak the traditional banking hours, geographical constraints and its convenient, fast, efficient,and many other advantages, by many consumers, accordingly, the network banks will be animportant component of the future of the banking industry. Network Banking, convenientfinancial services has brought many benefits to the vast number of consumers shift to themodernization of the banking sector, but also to the traditional banking developmentopportunities. However, things development will have two sides have convenient, and quick,efficient and other many advantages of online banking, its "3A" sex (Anytime, Anywhere,Anyhow) that is full when technology, virtualization, digitized features, but also for theBanking adds a number of risks, and, compared to the traditional banking sector, these risksoutstanding performance in various means to attack the hidden way, the scope. Therebymaking the healthy development of the banking sector has been affected, but also to thefinancial supervision of the banking sector problems. Network banks in the developmentprocess of the modernization of the banking industry has abandoned the traditional bankingregulatory mode and mechanism, therefore, reconstruct network system of bankingsupervision system will be the future direction of development of the financial industryregulatory. Now, China’s network bank is in the critical period of rapid development, but theexisting domestic legal system of regulation of network banks did not fully effectiveregulations. Imperative to speed up the construction of our network on Banking SupervisionLegal System for the healthy development of the network banks.Research online banking more academic materials at home and abroad in the field ofeconomics and finance in the field of law, does not have much research to the networkbanking supervision Perspective, because, on the one hand, because as a new thing broughtabout by the network banks in the development of innovation and breakthroughs have notbeen able to cause the attention of academics within a certain range, on the other hand due to the network of banking supervision particularity of its many problems and not enoughattention to cause legal level. Therefore, online banking supervision exploratory analysis ofthe legal system, with innovative and realistic theoretical value.The network bank regulatory legal system is involved in many fields of finance, banking,technology, legal and regulatory, multi-disciplinary and cross-cutting issues. System analysis,comparative analysis method, historical and other research methods, combined with thetheory of finance, economics, law, etc., in reference to the large number of domestic andforeign research data on the basis of the analysis of the legal system of the status quo ofChina’s online banking supervision on the problems in the regulatory system, and thesuggestion to perfect the legal system of our network on Banking Supervision.This paper is divided into four chapters:Chapter one: The basic theory of network banking supervision. First define the bank’sdefinition of the network and analyze its characteristics. Then the need for analysis of networkbanking supervision, analysis of the risks of online banking and proposed regulatorytheoretical basis and practical significance.Chapter two: Analysis of the law regulating the legal system of China’s Internet banking.First, a brief analysis of the status of China’s Internet banking regulatory legal system, and itsproblems are summarized.Chapter Three: learn from developed countries and regions online banking regulatorylegal system. First, the successful experience of the United States, the European Union,Singapore and China’s Hong Kong online banking regulatory legal system, summed upChina’s learn from the developed countries and regions online banking supervision legalsystem on this basis.Chapter four: the perfection of the legal system of China’s Internet banking supervision.First proposed the establishment of the guiding principles of the legal system of China’sInternet banking supervision, and on this basis to build and improve our Internet bankingregulatory system was briefly discussed, and finally summarizes the specific measures toimprove the legal system of our network on Banking Supervision.