On The Construction Of The Legal System Of Mobile Banking Supervision In China

Mobile banking is combined with the electronic money and mobile communication technology combining a financial services new forms of service,we usually think of him as a kind of electronic banking service form to look at is the traditional bank bold use of mobile phone and mobile communication terminal business and technical innovation,can make people in a mobile signal,any time,any place through mobile phones and wireless networks for a variety of financial services processing,banks offer to customers of financial consumption of a modern and efficient access to financial services.Mobile banking since its birth,the financial sector to the world brought a qualitative change,brings enormous business opportunities and challenges to the traditional banking industry and the development of the financial industry network,the traditional banking legal supervision to the legal regulation of mobile banking nor laws and regulations on Internet banking were copy,need to adjust the legal supervision of network bank and traditional bank,while for the unique attributes of mobile banking legal supervision legislation and innovation,to ensure the safe operation of financial and health.Therefore,in view of the particularity of mobile banking,on the basis of the traditional banking,Internet banking supervision legal system,to further improve the strengthening the construction of mobile banking supervision legal system has an important theoretical and practical significance.This paper will be related to the mobile banking supervision theory based on,from the point of view of the legal regulation of mobile banking.Analysis of mobile banking legal supervision and traditional banking legal supervision differences and challenges,through carries on the system combing and summarizing the experience of foreign mobile phone bank,and the legal regulation of mobile banking in China were summed up,and then puts forward suggestions on perfecting the legal supervisory system of Bank of mobile phone.This thesis consists of three parts:the introduction,the main body and the conclusion.The main body consists of five parts:The first part is the status of mobile banking supervision.Introduces mobile phone bank general meaning and new technology product of the combination of global system for mobile communications network technology and banking,the characteristics of the characteristics of mobile banking and traditional banking has many different places,and analyses the necessity of mobile banking supervision.The second part is the challenge of mobile banking business to the traditional banking supervision legal system.Mainly introduces mobile banking business on traditional banks with supervision mode can't meet the needs of the development of mobile banking service cross-border regulatory coordination difficult and mobile banking risk contradictions between bank supervision and innovation of legal system for the supervision of the challenges.The third part is the current situation of the legal system of mobile banking supervision in China.Mainly introduces the current situation of China's mobile banking legislation and the problems of China's mobile banking regulatory legal system.There are mobile banking supervision legal system is not perfect,to protect the interests of customers ineffective,mobile phone banking supervision department,division of labor is not standardized,system lack of information disclosure mechanism and mobile banking market access supervision mode lag of.The fourth part is the construction of China's mobile banking supervision system.Introduces mobile phone banking supervision legal system construction principle,referring to main standards of developed countries,combined with our country's legislative practice to formulate relevant laws and regulations,improve the mobile phone banking supervision legal system and choice of legislation mode,the establishment of mobile banking supervision department coordination mechanism.This part mainly introduces the strengthen protection of the rights and interests of customers,establish a sound mobile banking information disclosure system,clear responsibilities and rights of mobile phone between banks and their customers,clear as soon as possible and mobile banking high technology service characteristics adapted to the legal responsibility,and strive to solve the mobile banking supervision legal system of the existing problems,for China's mobile phone banking legislation perfect to contribute.We should draw lessons from the advanced experience of foreign mobile banking supervision legal,pay close attention to the social development,after repeated demonstration for reference,cannot be copied blindly legislation.