我国网上银行风险监管法律制度研究

发布时间：2019-06-17 09:51

【摘要】：随着市场经济的发展,网上银行作为金融业和高科技的新兴产物诞生网上银行提高服务效率的同时也带来了一系列的风险,需要监管当局及时加以监管。网上银行现存风险和传统银行风险类型相当,但是在技术风险、法律风险和信誉风险的具体表现内容上与传统银行风险有所不同,因此,传统银行风险监管手段和方法将不能够全面、有效地防范风险,有必要对网上银行监管相关法律制度进行完善以适应网上银行的特点。本文主要分为六个部分。第一部分为引言,包括研究背景、意义、目的以及国内外研究现状。第二部分对网上银行含义、分类、特点,现存风险类型及风险监管的必要性和法律关系进行分析。第三部分对国外对网上银行监管模式、主体、体制＼方法、准入退出条件、技术风险、法律及信誉风险防范措施立法进行分析并总结出值得借鉴的经验。第四部分,总结我国网上银行风险监管现存问题,包括监管模式需转变,监管体制无法适应现有经营模式,监管主体专业化能力需加强,监管方法不能有效网上银行特点,准入和退出条件不全面,技术风险、法律风险、信誉风险防范措施需进一步完善。第五章部分针对前述问题提出完善建议。包括：(1)坚持他律和自律监管相结合的监管模式；坚持功能型监管体制；完善监管主体协调机制；出台具体监管方法实施细则。(2)增加虚拟银行准入条件,增加经营业务范围；设立退出法律制度。(3)建立技术风险监管评级系统和全国统一安全认证机构,立法规定安全认证相关法定内容。完善技术外包相关法律规定。(4)建议修改、补充网上银行业务专门和支持立法；规定客户合法权益；补充跨境业务监管相关法律规定。
[Abstract]:With the development of market economy, online banking, as a new product of financial industry and high technology, has not only brought a series of risks to improve the service efficiency of online banking, but also needs to be supervised by regulatory authorities in a timely manner. The existing risks of online banking are the same as those of traditional banks, but the specific contents of technical risk, legal risk and reputation risk are different from those of traditional bank risks. therefore, the traditional means and methods of bank risk supervision will not be able to prevent risks comprehensively and effectively, so it is necessary to perfect the relevant legal systems of online banking supervision in order to adapt to the characteristics of online banking. This paper is divided into six parts. The first part is the introduction, including the research background, significance, purpose and domestic and foreign research status. The second part analyzes the meaning, classification, characteristics, existing risk types and the necessity and legal relationship of risk supervision. The third part analyzes the foreign legislation on online banking supervision mode, subject, system / method, access and exit conditions, technical risk, law and reputation risk prevention measures, and summarizes the experience worthy of reference. The fourth part summarizes the existing problems of online banking risk supervision in our country, including that the supervision mode needs to be changed, the supervision system can not adapt to the existing business model, the professional ability of the regulatory subject needs to be strengthened, the supervision methods can not effectively online banking characteristics, the access and exit conditions are not comprehensive, the technical risk, legal risk and reputation risk prevention measures need to be further improved. The fifth chapter puts forward some suggestions for the above problems. Including: (1) adhere to the regulatory model of combining heteronomy and self-regulatory supervision; adhere to the functional regulatory system; improve the coordination mechanism of regulatory subjects; issue detailed rules for the implementation of specific regulatory methods. (2) increase the access conditions of virtual banks and increase the scope of business; set up an exit legal system. (3) establish a technical risk supervision and rating system and a national unified safety certification body, and legislate on the relevant legal contents of safety certification. Improve the relevant legal provisions of technology outsourcing. (4) it is recommended to amend and supplement the special online banking business and support legislation; stipulate the legitimate rights and interests of customers; supplement the relevant legal provisions on cross-border business supervision.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.28;F832.2

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