The Research Of Legal Preventing And Resolving For Internet Banking

With the continuous development of science technology and innovation offinancial industry, make science with technology and the financial industrycombination, triggered the emergence and development of Internet banking. In earlytwentieth Century90years, Internet banking has produced tremendous change inUSA, the long-term development for the banking industry has brought newopportunities, but also has important significance. Since the appearance of Internetbank, all countries began to develop on the network bank business, showing athriving scene. China’s banks have partially since1997, has launched Internet bankingservices, initially set up the network financial service platform. Relevant statisticsshow that, until2012, a total of12listed banks announced a number of network bankcustomers, a total of about360000000households. Among them, the amount ofpersonal internet banking customers has reached130000000households. Therefore,since the network bank has been developed rapidly, at the same time also occupy anextremely important position, it also has a direct impact on the traditional banking.The network bank has its own characteristics and advantages which are different fromthe traditional bank. The network bank has changed the concept of value, thetraditional banking business model and management method, and the traditionalbanking products and services innovation. At the same time that transformed thecompetition pattern of traditional bank, and also constructed a new form organizationof network bank. Network bank satisfied customer’s demands because of theconvenient and efficient financial services, and also brought considerable prospect ofchange and development for the banking industry. The opportunity is good, but at thesame time, due to the virtual, digital, global network bank special and no time limitsof these characteristics, the invisible for the development of the network bank risk,and the risk of the formation and traditional banking than more concealment anddiversification of risk, once produced, spread the scope will be considerable. Riskproblem of this series makes it difficult for the supervision of network bank.Supervision mode and method of network banking supervision at the present stagehas been difficult to adopt the traditional banking industry, in the face of this vacancy, the establishment of a special, has in view of the network banking supervision systemof be imperative. Therefore, in the network bank flourishing today, strengthen thesupervision of network bank, guard against and defuse the risk of network bank, isimportant in the maintenance of financial stability and security.Network bank is largely the legal aspects of the subject. Therefore, this paperemphasized from the legal perspective and pay attention to the problems on risk, riskprotection and solution of risk, all about the network bank. This article obtains fromthe basic concept, to clarify the meaning and the basic situation of network bank, thenecessity to guard against and dissolve the risk of network bank and the significanceof the law to regulate the categories and characteristics, so as to analyze the risks ofnetwork bank. Then the conclusion of deficiencies existing in our guard against anddefuse the risk of network bank legal system, and the analysis and reference offoreign guard against and defuse the risks of network bank legal system, and then tryto improve our legal system to prevent and resolve the risks of network bankcountermeasures.