| Internet banking breaks through the limitation of space and time of traditional bank,and brings the opportunity for the development of financial industry.However,because online banking has no physical network to contact customers,everything has to rely on the Internet and information communication technology,and it has developed rapidly.There have been a large number of gaps in legal regulations,information technology,financial supervision and so on.The resulting risks inevitably result in financial events and disputes.In order to solve the problems of management idea,management mode,management mode,internal control mechanism and financial security of online bank,we need to use legal system to regulate it.In this context,it is necessary for us to analyze the related concepts of online banking and the current situation of related legal supervision,in order to promote the sound and innovative research of the legal supervision system of online banking.So as to promote online banking and other emerging banking business prosperity.This subject from the angle of economic law,through the study of the current legal problems faced by the supervision of online banking in China,as well as the comparative study of the legal supervision of online banking in foreign countries,how to improve the legal system of the supervision of online banking in China.Some legal countermeasures are put forward.The main points of this paper are as follows:first,our country should actively promote the establishment of a special law on online banking,and at the same time,we can add a special chapter in the relevant legal norms of the existing industry to provide for online banking.Perfect in the law of property law,contract law and other branches of law on Internet banking special provisions,at the same time,we should actively promote the development of new laws and regulations in information technology.We should perfect the supporting laws and regulations and make more detailed regulatory rules to supplement the regulations,so as to better solve the specific problems,so as to make the supervision of online banking more legal.Can also better reduce the legal risk through the improvement of laws and regulations;second,our country should make clear the main body and responsibility of online banking supervision,facing the unreasonable financial structure of our financial market,we should perfect the law.Promote the improvement of multi-sector mixed supervision and establish an effective regulatory system.It is necessary to make clear the division of responsibilities of the subject and strengthen the coordination and cooperation of the different subjects through perfecting the legislation.Third,the interests of customers should be the primary regulatory objective.In order to avoid the credit risk of online bank,we should correct the deviation of legislators'value choice and pay attention to the protection of consumers' interests.The entry and exit of Internet banking should be subject to strict examination and approval system,strengthen the supervision of external risks such as technology,network security,system interruption,and clearly stipulate the supervision system for technical operators and internal employees of Internet banking.So that the financial services of online banking can be further improved,in dealing with related disputes can be based on the law,to avoid unnecessary losses to consumers,through the combination of external and internal supervision to strengthen the supervision of operational risks. |
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