Study On Legal System For Internet Banking Supervision

Internet banking is the product of finance industry and network information technology, and it is the important component of mordern finance industry. Along with the constant innovation and development of network information technology, the internet banking with its giant and unique advantages, expanded quickly in the world and actedan indispensable role in the banking industry. At the present, using the network information technology, the banks, securities companies, and assurance companies in China have provided sorts of finance service system from ATM,POS, self-helped bank to telephone bank, mobile bank and electronic bank.But in the main pattern from the traditional bank to internet bank, our internet banking faced many legal problems in the development process, such as, the supervising model can’t accommodate the tendency of finance industry in the futrue,the system of supervising main bodies are in defect of machanism of coordination, the development bottleneck coming fron the security problem of information system and electronic trading and absence of necessary legal protection of the client’s legitimate rights. Therefore, the goverment supervising departments should establish and make perfect the legal system of network banking, promote the technology level of network finance, regulate the deal in the internet banking, and they also should make up the supervising contents in time. All these procedures would have important meanings to strengthen the competition ability of our internet bank’s development healthily in China.We can make out from the title of this thesis, which the writer hope to discuss the measures the supervisors can take now from the legislation angle when the internet banks developed quickly in our country. Based on the direction, the writer spreads the discussion and dissertation from the aspects below.Chapter 1 expatiates the concepts, characteristics, and risks of internet bank, and then recites the importance and necessary to supervise the internet bank.Chapter 2 disscusses the development status of network bank in China and the problems to be dissolved from the aspects of cooperation and coordination system of surpervising agencies, security guarantee legal system.Chapter 3 recites the extraterritorial areas’ internet bank supervision and then analysis their experiences.Chapter 4 puts forward the material suggestions in perfecting the supervision legal system in our country.