我国网络银行的法律监管制度研究

发布时间：2018-08-30 14:52

【摘要】：随着网络技术和经济的发展,网购正逐渐改变着人们的生活方式。2016年“双十一”期间,以网络银行和第三方交易平台为依托,再次打破了网上交易的记录。网络银行是将传统的银行业务与现代的网络技术进行了科学化的整合,因此,它不仅凝聚了二者的优点,而且还形成了方便、快捷,成本低和全天候运营的独特优势。然而,与传统银行相比,网络银行也是一把双刃剑,并且具有传统银行未曾有过的风险。网络银行不仅面临着类似于传统的风险,而且由于其自身的外部环境、复杂的技术、分散的交易、国际化及不确定的法律法规难以监测所带来的更为复杂的技术风险。依靠传统银行的监管模式很难对网络银行进行有效的监管。相比之下,对网络银行的法律监管更具有现实性。本文分为三个部分:第一部分简单地介绍网络银行方面的具体内容,主要对网络银行的概念、主要特征及分类进行了阐述。第二部分详细地分析网络银行所面临的风险含义、风险特征、风险形成的原因、风险类型及风险预防。并在此基础上网络银行法律监管的必要性进行论述,通过世界各国网络银行法律监管制度的对比研究,为建立适合我国网络银行的法律监管制度的提供参照依据。在借鉴发达国家及地区网络银行法律监管制度的设立和发展经验的基础上,对我国网络银行的法律监管提出具体可行的建议。第三部分是针对上文提出网络银行的风险,尝试着给出笔者认为可行的解决路径。一是要构建统一的政府监管机构,二是要加强行业自律协会的建设和社会监督主体作用的发挥。通过上述分析研究进而提出关于我国网络银行法律风险防范对策的思考,完善我国的社会征信制度和客户存款保险制度。进一步完善我国网络银行的法律监管制度以控制和预防风险,维护网络银行的健康发展。
[Abstract]:With the development of network technology and economy, online shopping is gradually changing people's way of life. During the "Double Eleventh" period in 2016, online banking and third-party trading platform as the backing, once again broke the record of online transactions. It not only embodies the advantages of the two, but also forms the unique advantages of convenience, rapidity, low cost and all-weather operation. However, compared with the traditional bank, the network bank is also a double-edged sword, and has risks that the traditional bank has never had. The environment, complex technology, decentralized transactions, internationalization and uncertain laws and regulations are difficult to monitor the more complex technical risks. It is difficult to effectively supervise the Internet banking by relying on the traditional banking supervision model. The second part analyzes the risk implication, risk characteristics, causes of risk formation, risk types and risk prevention faced by network banks in detail. On this basis, the necessity of legal supervision of network banks is discussed. Through the comparative study of the legal supervision system of Internet banking in the world, this paper provides a reference for the establishment of the legal supervision system of Internet banking in China. The third part is to put forward the risk of Internet banking, trying to give the feasible solutions. First, to build a unified government regulatory agency, and second, to strengthen the construction of industry self-discipline associations and social supervision of the main role of play. Consideration on the legal risk prevention measures of banks, perfection of China's social credit system and customer deposit insurance system, further improvement of China's network banking legal supervision system in order to control and prevent risks and maintain the healthy development of network banking.
【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.281

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