Research On Law Regulation Of Internet Banking On Credit Loan Mode

In recent years, with the mature of network technology and support by policy, the internet finance development very fast.july2014,the State Council officially approved five private banks to build.amongthem, ZhejiangWangshan bank and QianhaiWeizhong bank has been widespread concern of all parties by their innovative mode.Accrording to the creator of the idea of Internet banking,Internet banking will build on network technology and data analysis technology.accountonline, transact business online, don’t set up the physical agency, don’t need guarantees. Unsecured internet banking mode in advancing inclusive financial challenges traditional banks is significant.The law regulation of internet banking based on the limit credit risk on financial industry、the economic law principles、the conflict of existing laws with market practice. To promote the healthy and orderly development as the goal. This article discussed from the market access system, regulatory system, and consumer protection legal regulation of Internet banking as well. Focused on the legal status of Internet banking regulation and Suggestions for Improvement of legal regulation.