作为独立银行主体的直销银行

发布时间：2018-04-27 12:53

  本文选题：客户开发 + 模式变革　； 参考：《银行家》2017年06期

【摘要】：在"互联网+"时代,银行的经营模式和客户开发模式创新势在必行,与传统金融体系的裂变和与新的金融生态的磨合时刻都在发生,其间的法律问题也不断凸显。本期两位作者分别对直销银行的基本法律地位和互联网银行绑定服务的法律问题进行了深入探讨。在《作为独立银行主体的直销银行》一文中,高芮提出,应当尽快出台关于直销银行的专门监管法规,对直销银行进行明确的概念界定,将其与网上银行、电子银行区别开来作为一种独立的银行模式进行专业的监管。在本刊第98页的《互联网银行"绑定"交易模式的法律问题》一文中,张彬发现,以"绑定"为特征的商业模式已经席卷了中国金融业,但技术带来的交易模式变革,也注定带来法律风险的增长,必须做出妥善的应对。
[Abstract]:In the era of "Internet", it is imperative to innovate the management mode and customer development mode of banks. The fission with the traditional financial system and the running-in with the new financial ecology are taking place all the time, and the legal problems between them are also becoming more and more prominent. In this issue, the author probes into the basic legal status of direct selling banks and the legal issues of Internet banking binding services. In the article "Direct selling Bank as the main body of independent banks", Gao Rui proposed that special regulations on direct selling banks should be issued as soon as possible, defining the direct selling banks clearly and linking them to online banks. E-banking is distinguished from professional supervision as an independent banking model. In the "legal aspects of the binding" trading model of Internet banks on page 98 of our journal, Zhang Bin found that business models characterized by "binding" have swept the Chinese financial industry, but technology has brought about a change in trading patterns. Also doomed to bring the growth of legal risk, must make appropriate response.
【作者单位】： 四川省成都市金牛区人民法院;
【分类号】：D922.281;F832.2
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本文编号：1810808