论我国网上银行监管法律制度的完善.pdfVIP

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。 关键词：网上银行；法律监管；制度创新 I Abstract Internet banking is becoming a frequently discussed issue in both law field and economics field in recent years. It brings a rather strong impact to legal theories. The new legal issues related with internet banking are quite complicated, for it is different in many aspects from traditional banking. Therefore, it is quite necessary and obvious to regulate internet banking under legal system. Currently, there have already been some advantages in our legal system of internet banking regulation, and have become more unified with that of other countries, especially in construction and precaution, daily regulation, international and our-farming regulation of internet banking. However, there exist many disadvantages in our legal system on how to regulate internet banking. The legal system is not quite perfect, and the range of examining and approving system is over wide. Then, the rights and obligations of both parts is not clear and the operating risk resulted from technology and staff is a little high. Besides, the market-exiting system of internet banking is not perfect. Accordingly, the legal regulation system of internet banking should be improved in all aspects ment