A Study Of Researches On Legal Matters Of E-banking Service In China

As a new way of financial services,electronic banking business,with its unique convenient and fast characteristics,increasingly affects the lives of contemporary people,and gradually becomes the main development direction of the future banking industry in the Internet era.The coverage of electronic banking business has already involved each part of our life.However,it can not be ignored that in recent years,the participants in electronic banking business have been exposed many problems,such as short message fraud and information leakage.We should be conscious that electronic banking business not only has the characteristics of interest rate risk,liquidity risk,legal risk and operational risk brought by traditional banks,The new risk characteristics of the system.In order to ensure the stable operation of bank's electronic business,we need perfect laws to adjust it.As far as the trend of the development of bank electronic business in China is concerned,the scope of contents is broad to be defined.The view of the development status of China's financial industry,bank electronic business can be either ordinary traditional counter business or widely used electronic banking business.Because the it is more controlled by the internal control system of banks,the complexity and risk of its operation are less than those of electronic banking.Therefore,the study of electronic banking business in this paper is also aimed at electronic banking business.This article is roughly divided into five parts,through the exploration of the legal issues of electronic banking business.The first chapter is the introduction,which introduces the background,significance,research methods and research framework of the research.In the second chapter,the scope and future development trend of bank electronic business are analyzed and summarized,and the basic problems of bank electronic business law are summarized.Chapter three summarizes the defects of our country's bank electronic business law and system,and explains its existing problems and adverse effects.Chapter four,through the analysis of the laws of electronic business of banks in developed countries,analyses the current situation of the laws of electronic business of banks in China.The fifth chapter provides reference suggestions for the legal improvement and development of China's banking electronic business of China's financial market in the competition of economic globalization.