网络银行运行风险的法律防范机制

发布时间：2018-04-11 02:32

本文选题：网络银行 + 商业银行　；参考：《甘肃社会科学》2017年06期

【摘要】：网络银行具有传统商业银行所没有的低成本、高效率和服务个性化等特点,其不仅决定了网络银行具有传统商业银行不可比拟的优势,而且也导致了与此相伴随的诸多运行风险,包括信用风险、市场准入过于严苛的风险、安全法律缺位的风险,以及行政监管职能手段落后等风险。这些风险的存在,不仅直接导致网络银行及其顾客合法权益不能得到有效保障,而且对其健康发展有着非常严重的危害。因此,可以从依托大数据技术建立统一的征信记录数据库体系、建立科学的网络银行准入制度、完善有关网络银行的安全立法,以及加强网络银行的行政监管等途径,构建有效的网络银行运行法律风险防范机制等方面进行完善,以促进网络银行的健康发展。
[Abstract]:Internet bank has the characteristics of low cost, high efficiency and individuation of service, which is not only the advantage of traditional commercial bank, but also the advantage of traditional commercial bank.It also leads to many operational risks, including credit risk, the risk of too strict market access, the risk of the absence of safety laws, and the backwardness of administrative regulatory functions.The existence of these risks not only directly leads to the network banks and their customers' legitimate rights and interests can not be effectively protected, but also has a very serious harm to their healthy development.Therefore, we can establish a unified credit record database system based on big data's technology, establish a scientific access system for network banks, improve the security legislation related to network banks, and strengthen the administrative supervision of network banks.In order to promote the healthy development of the network bank, we should build an effective legal risk prevention mechanism for the operation of the network bank.
【作者单位】：华北电力大学人文与社会科学学院;
【分类号】：D922.281

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