Research On Legal Problems Of Internet Bank In China

With the development of electronic commerce, network banking as a new mode ofcommercial bank’s service with the corresponding, because of its characteristics of highefficiency and convenient, has gradually become an important business of commercialbanks and the means to improve competitiveness. However, with the rapid development ofthe network bank, payment mode is changed, the electronic payment of efficient,convenient gradually replaced the traditional payment mode. But the risk types of network-banks brought about by more and more, such as technology risk, operational risk, creditrisk, outsourcing risk, legal risk, divide the risk responsibility to pay also attention ofconsumer electronics. These legal issues and risks than traditional banks are more subtleand more complex. American, Germany, Singapore, India and China’s Hongkong andTaiwan and other countries and regions have their own supervision mode on the legalproblems of Internet banking. The legal supervision of China’s Internet banking at presenta relatively weak. But simply from foreign supervision model is not very good to improvethe current situation. In the face of network bank complex technical risk and business risk,only to the situation of China as the basis, absorbing foreign advanced experienceappropriate, rely on the government’s macro regulation and control, improve the regulatorylegal system, can effectively prevent the risks of network bank. For the banks themselves,should encourage technology innovation, its own strength, improve their own reputation, toplay a supervisory function of the banks themselves in the outsourcing business, thereliability and safety of working with the third party company. At the national regulation,the establishment of risk supervision system perfect, will present "separate supervision"model appropriate reforms, in line with China’s socialist market economic orderrequirements, strengthen the regulatory cooperation; to establish and perfect the creditsystem; with the development of network bank becomes more mature, standardizednetwork bank market access conditions; the contract relationship between bank andcustomer structure reasonable between, clear legal rights and obligations of both parties;strengthen the banking information disclosure system, customers can be based on fully understanding, fair in business transactions with the bank.