网上银行监管法律问题研究

发布时间：2018-03-14 20:04

本文选题：网上银行　切入点：法律监管　出处：《山西大学》2012年硕士论文　论文类型：学位论文

【摘要】：网上银行的蓬勃发展对中国经济而言是机遇也是挑战,应当在抓住发展契机增强我国金融业市场竞争力和国际竞争力的同时,建立能对其进行积极的引导和规范的法律监管体系。网上银行监管所涉及的法律问题颇为丰富和复杂,传统银行监管法律制度体系难以对其进行有效的监管,如何构建适于中国网上银行的法律监管体系是我们在现阶段必须要解决的核心问题。网上银行在各国的发展状况不尽相同,是与本国的经济状况、国民素质等息息相关,作为发展中国家的网上银行发展与发达国家不尽相同,具有法律基础差、市场素质不高、经济发展落后等显著的特点。因此,在我国的网上银行法律监管体系的建设中,虽然欧美发达国家对于网上银行监管法律制度的研究和探索趋于成熟,有许多值得我国借鉴的经验和教训,但值得注意的是在借鉴国外经验时应立足本国国情,从实际出发,而不能照搬照抄,盲目崇拜,只有建立起符合我国国情的网上银行监管法律制度,才有可能发挥法律对网上银行的规制作用。本文通过对我国网上银行的发展状况、法律制度进行深入分析,并在借鉴国外成熟经验的基础上,提出：在构建法律监管体系中,在宏观上应坚持风险监管与促进创新兼顾、公平与效率兼顾、保护消费者权益、国际性等原则；在微观上应从健全网上银行法律制度体系、建立协同监管机制、灵活的市场准入法律制度、谨慎的退出机制、维护客户合法权益、健全信息披露制度等方面入手,构建适于我国网上银行发展的法律监管体系,以便能行之有效的对其进行规范和约束,增强我国金融业的国际竞争力,从而实现我国经济平稳有序的发展。
[Abstract]:The booming development of online banking is both an opportunity and a challenge to China's economy. It is necessary to seize the opportunity to strengthen the market competitiveness and international competitiveness of China's financial industry. To establish a legal supervision system which can guide and standardize it actively. The legal problems involved in online banking supervision are quite rich and complex, so it is difficult for the traditional banking supervision legal system to supervise it effectively. How to build a legal supervision system suitable for China's online banking is the core problem that we must solve at this stage. The development of Internet banking in different countries is closely related to the economic situation and national quality of our country. As a developing country, the development of online banking is different from that of developed countries, and it has the characteristics of poor legal basis, low market quality, backward economic development, etc. Therefore, in the construction of legal supervision system of online banking in our country, Although the research and exploration of the legal system of online banking supervision in developed countries in Europe and America tend to mature, there are many experiences and lessons that our country can learn from, but it is worth noting that, when drawing lessons from foreign experiences, we should base ourselves on our own national conditions and proceed from the actual situation. Only by establishing a legal system of supervision of online banking in line with the national conditions of our country, it is possible to give play to the role of the law in regulating online banks. Based on the deep analysis of the development situation and legal system of our country's online banking, and on the basis of drawing lessons from the mature experience of foreign countries, this paper puts forward that: in the construction of legal supervision system, we should insist on risk supervision and promote innovation. Principles of fairness and efficiency, protection of consumers' rights and interests, internationalism, etc. From a micro perspective, we should improve the legal system of online banking, establish a cooperative supervision mechanism, a flexible legal system for market access, and a prudent exit mechanism. In order to maintain the legitimate rights and interests of customers and improve the information disclosure system, the author constructs a legal supervision system suitable for the development of China's online banking, so that it can be effectively regulated and restrained, and the international competitiveness of our financial industry can be enhanced. Thus realize our country economy steady and orderly development.
【学位授予单位】：山西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.28;F832.2

【引证文献】