Legal Risk Research Questions Online Banking Supervision

In recent years the bank on the net along with the electronic commerce scaleexpands day by day,although the global trend of economic growth was slow,but fornow the development of Internet banking is steadily rising.In the modern economicsociety online banking services has changed from the original basic capital circulationservice and information in real time to provide for the development of a full range offinancial products and financial planning design. In the banking industry in the fiercecompetition, the bank on the net if want to obtain a space for one person must createhigher additional value, to win the favor of the market. In1995the United States firstInternet banking since appearing, a recent years in the world presents an irresistibletrend of development. Since the banking industry has entered a new development era,the network of information technology with traditional banks has brought hugechallenge. The information age as the Internet bank has provided a broad space fordevelopment, but also to the financial industry has put forward higher requirements.Informatization is current world economy and social development trend. With thetraditional banks online banking customers simply point the mouse can easily becompleted for each business activity, at the same time or bank saves a lot ofmanpower and material resources, saving the investment cost, increase profit. But invia online banking for all kinds of business activities at the same time, because theother unavoidable factors will appear a variety of traditional banks do not appear inthe risk, which we need from the legal point of view how to regulate the InternetBanking for research, with its online banking to create a good operating environment.In the rapid development of Internet banking and traditional banking industry tothe challenge, and emerged a lot about online banking supervision legal problems, thetraditional banking online banking would also continue to be used, whether it isnecessary to construct a new online banking risk supervision legal system, the studyon this problem still less, in this sense, the Internet banking risk supervision to do aresearch, not only has the important theory significance, but also has importantpractical significance. This thesis is divided into four chapters, the first chapter of the Internet bankingrisk regulation to make a basic overview, define what is risk, risk control, this chapterfocus on the legal risks of online banking supervision. The second chapter is theanalysis of Chinese and foreign countries in the Internet banking risk supervisionlegal system, and has done a summary of experience. Through the above analysis,concluding that it gives us the inspiration brought by which to have. The third chapteris the China Internet banking risk supervision of the status quo and problems for thenext chapter, how to improve to pave the way for. The fourth chapter is on China’sInternet banking risk regulation put forward specific legislative measures.