Research On The Legal System Of Internet Financial Risk Supervision

Internet banking is one of the most hot topic of the current economy, especially to get a spurt of development in 2013. Internet banking, including all use of the Internet technology, the use of the Internet virtual community to achieve financial intermediary role behavior. Compared with the traditional finance financial internet there are significant differences in the characteristics of the Internet based on the new finance, compared to traditional banking, Internet banking emergence of new risks. So you can learn the proper Internet banking supervision model developed Western countries, reduce financial risk and improve the quality of financial regulation.In addition to the introduction and first chapter of this paper, Chapter VII conclusion, a total of five chapters.The second chapter introduces the definition of the Internet, the characteristics, patterns and history and other basic information; introduced Internet banking and traditional financial differences and connections, highlighting the many limitations of Internet financial breakthrough in traditional finance, with the characteristics of the Internet, but still essentially financial. While emphasizing the significance and importance of risk prevention internet financial development.The third chapter focuses on the case by reason of the Internet and the resulting financial risk. Internet banking there is a greater systemic risk compared to traditional financial services, more liquidity risk and new risk types-network technology and network security risks. Special mode of existence and the financial risks of the Internet and Internet banking is currently the special stage which has great relevance.The fourth chapter discusses the legislative status quo in the Internet financial risk supervision. Through the analysis can draw our current "separate management, separate supervision" model problems as well as our legal system specific legislative loopholes and imperfections.The fifth chapter analyzes the experience of foreign Internet financial supervision. Internet banking was first originated in a foreign country, with the first world adaptability, so the risk is relatively low, cause analysis produced can make better recommendations for financial risk supervision of Internet. In addition, foreign markets have a more mature Internet banking environment can reduce the risk of introduction of these experiences for our proposed Internet financial risk supervision legal system provides a good reference.Chapter VI, proposed the establishment of the principle of the Internet need to follow the regulation of financial risks and the specific regulatory proposals. The risk of regulatory mode, the legislative style, the market environment to build on the sound credit system, the technical management level supervision of financial risk for the Internet to provide a more comprehensive institutional arrangements.