Research On Legal Problems Of Internet Bank

Guidelines issued in 2013 by the state council in July 2013, promulgated by the state council "about financial support economic restructuring and transformation and upgrading of the guidance of" wrote very clearly, our country currently allows the state of the establishment of private Banks and other financial institutions. This guidance, also has a lot of folk capital into the banking sector. Qianhai Shenzhen micro public bank (hereinafter referred to asMicro public bank), Zhejiang commercial bank, Tianjin Jincheng bank five private Banks in pilot operating guidelines issued 1 years later received approval. Micro Banks have been approved in December 2014, and become the first founded by private capital investment bank, is also the first pure Internet bank in our country. The emergence of small Banks, to balance the treasure our traditional commercial Banks and other financial business enterprise and pressure, but the pure Internet banking credit risk and bank customer information confidential and related legal problems. Therefore, the purpose of this paper is based on micro Banks as the starting point in this paper, the current development of the Internet bank and its existing management system content, to solve the Internet bank in our country at present or future possible legal problems puts forward some perfecting Suggestions.This article starts from the introduction of the concept of Internet Banks, the development status and influence, through the introduction of the mode of foreign Internet Banks and related legal system, comparative analysis of China’s Internet banking in the legal problems existing in the production and operation, and then puts forward some advice to promote healthy development of the Internet bnak.Based on the above considerations, this paper from the following five parts of the Internet Bank study:the first chapter is introduction, introduces the research background, purpose, significance, research status and research methods, pointed out that Internet banking is a new industry conforming to the trend of financial development of the Internet era, but the existing mode of development is not mature, the problem of legal regulation in place, this paper in the hope of learning foreign experience and puts forward some suggestions; the second chapter is the overview of Internet banking, Internet banking concept, characteristics, development and influence of Internet banking, mainly based on the development of mass customers, small deposit small loan of this one characteristic, has gone through the initial stage, the bank on stage, the transition stage and now the Internet banking era; the third chapter introduces the foreign Internet banking model and Related system, the Internet platform model, direct banking model in Germany; Japan’s convenience store mode; Chapter Four discusses the legal issues faced by internet bank in our country, there are lack of special legislation, online credit system is not perfect, the protection of customer information to position the three aspects of the problem, the fifth chapter for legal problems proposed countermeasures, respectively, is to develop specialized Internet banking law, enhance customer information verification and protection, strengthening the legal supervision, strengthen the cooperation of Banking Association and judicial organs.