论我国网上银行监管法律制度的完善

发布时间：2018-06-23 04:07

本文选题：网上银行 + 法律监管　；参考：《暨南大学》2010年硕士论文

【摘要】： 网上银行是近年来颇受法学界和商务实践领域所关注的热点问题,它对传统的法学理论产生了巨大的冲击。网上银行所涉及的法律问题甚为丰富而复杂,它不同于传统经营模式,会出现许多新的法律问题,如何对网上银行进行有效的法律监管,就显得非常迫切和现实。目前,我国网上银行监管法律制度存在有一定进步之处,法律体系也初具雏形,与其他国家的网上银行监管制度日趋一致。尤其是重视网上银行安全建设与防范,网上银行的日常监管工作正在加强,明确跨境业务及服务外包监管。但同时也存在很多问题,如法律制度体系不完善,适用审批制的业务范围过宽,网上银行交易双方权利义务划分不清,由于技术、设备、人员等原因导致的操作风险,以及网上银行市场退出机制不尽完善。完善我国网上银行监管法律制度应在坚持全球性、安全性、技术中立、保护客户权益等原则的前提下,建立健全网上银行监管法规,制定与之配套的实施细则,缩小审批制的范围,并进一步完善市场退出机制,完善现有的网上银行安全保障措施,促进网上银行完善自身内部监管,明确网上银行交易双方权利义务关系,加强国际间网上银行监管的合作。
[Abstract]:Internet banking is a hot issue in the field of law and business practice in recent years, which has a great impact on the traditional legal theory. The legal problems involved in online banking are very rich and complex. It is different from the traditional business model, and there will be many new legal problems. It is very urgent and realistic to conduct effective legal supervision on online banking. At present, there is some progress in the legal system of online banking supervision in our country, and the legal system is beginning to take its infancy, which is more and more consistent with the supervision system of online banking in other countries. In particular, it pays attention to the security construction and prevention of Internet banking. The daily supervision of Internet banking is being strengthened, and the supervision of cross-border business and service outsourcing is clearly defined. But at the same time, there are also many problems, such as the imperfect legal system, the wide scope of business applicable to the examination and approval system, the unclear division of rights and obligations between the parties involved in online banking transactions, and the operational risks caused by technology, equipment, personnel, etc. And the exit mechanism of online banking market is not perfect. In order to perfect the legal system of online banking supervision in China, we should establish and improve the laws and regulations of online banking supervision and regulations and formulate the corresponding implementing rules on the premise of adhering to the principles of globality, safety, technology neutrality, protection of customers' rights and interests, etc. Narrow down the scope of the examination and approval system, further improve the market withdrawal mechanism, improve the existing online banking security measures, promote Internet banking to improve its own internal supervision, and clarify the relationship between the rights and obligations of both sides of online banking transactions, To strengthen international cooperation in the supervision of online banking.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D922.281;F832.2

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