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Internet Banking Supervision Legal System

Author: WangYouBai
Tutor: ChenQingYun
School: Yunnan University of Finance
Course: Economic Law
Keywords: Internet banking Legal and regulatory System improvement
CLC: D922.28
Type: Master's thesis
Year: 2010
Downloads: 276
Quote: 2
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Abstract

Internet banking was born in the 1990s, advances in information and network technology product of the combination of financial innovation, it is the birth of the development and innovation for the banking industry, it has great significance. Since the inception of Internet banking in just ten years time, the network banks have mushroomed all over the world to emerge, both for the majority of consumers with a convenient online financial services, but also to innovative financial derivative financial sector products provide a platform for the banking industry brought a golden opportunity for development. However, we should also recognize that there are many advantages of online banking despite, but because of its virtualization, digital, service \and the network is different from the traditional banking bank risk with new forms of expression. Manifested in its attack sources, expand the scope of attacks myriad forms, but also more subtle attacks, resulting in the risk of online banking risk is much greater than conventional banks. These risks not only seriously affected the healthy and sustainable development of the banking sector, but also to financial regulation tremendous challenge. Before the traditional model of banking supervision, institutional and systems have become increasingly unsuited to the network bank supervision, therefore, to re-build a network system of banking supervision system is imperative. At present, China's rapid development of Internet banking is in a critical period, but the existing domestic legal system of banking supervision network is not complete, which is not conducive to online banking supervision, and is not conducive to the development of Internet banking in the future, the urgent need of the Legislature attention, speed up Internet Banking Supervision Legal System Legislation pace. Study abroad literature, we found that in the field of finance and economics, the relevant research results online banking is more abundant, however, in the field of law, the results of research on this subject are still not a lot, especially on Internet banking regulators to study the results of this perspective is even more rare. The reason was due to the development of Internet banking relatively short time, as a new thing, has not attracted enough attention, partly because of the legal profession about the network banking regulations and has not attracted everyone's attention. Therefore, in this sense, this legal system of banking supervision network research, with some innovative and pioneering. Although the I Xueshiqianbao, while reference information is extremely limited, this will inevitably lead to mistakes and failings exist, but after all the legal systems of the network of the new banking regulatory topics more in-depth exploration, therefore, has a certain practical and theoretical value, in order to be able to mention serve as a stimulus, causing theorists on this issue of widespread concern. Internet banking regulatory legal regime, is an industry related to the network, the network of financial, banking, management system, monitoring system and other areas, with a multi-disciplinary nature of the new global issues, this paper linking theory with practice, the legal and economic theory, finance, management and other organic combination of theory, using the method of analysis and synthesis, comparative studies, case empirical analysis, analysis of problems and causes a variety of research methods, with different levels of the system on the thesis topic in depth research. The research projects to collect a lot of theoretical information, refer to the large number of domestic and international data on China's banking regulatory system and developed network analysis and comparative study on this, based on the legislation on the status of China's Internet banking supervision empirical analysis, profound analysis of the current legal system of banking supervision network problems, on this basis, we propose a sound legal system of China's online banking supervision of practical recommendations. This paper is divided into four chapters: Chapter One: Overview of the network banks and their regulators. The first defines the concept of online banking and analyzes its characteristics, summarized the network banks are facing several major risks. Then define the legal system of banking supervision network concept, the final analysis of the network bank to bank regulatory challenges posed by the legal system as well as the need for banking supervision to the network. Chapter II: some developed countries and regions internet banking regulatory legal system and its revelation. Briefed the U.S., the UK and China's Hong Kong legal system of banking supervision network's successful experience, on this basis, summarizes several Enlightenment. Chapter Three: China's Internet Banking Supervision Law System Analysis. First, a brief analysis of the legal system of China's online banking supervision of merit, then their problems are summarized. Chapter 4: China's online banking supervision perfect legal system. The former chapter analyzes the legal system of China's online banking supervision problems that the main aspects should be improved from six.

Internet Banking Supervision Legal System

Abstract

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