美国网上银行市场准入规则探析.PDFVIP

8 9 () Vol8, o9 2008 9 Journal ofKunm ingUniversity of Science and Technology Sep2008 余素梅 (, 430074) : 市场准入监管是防范各种银行业风险, 对银行业实施监管的第一道防线, 无论对于传统 银行业务还是对于网上银行业务而言均是如此美国网上银行市场准入监管的具体规则主要体现在 互联网与国民银行注册 和 电子活动最后规则 之中其中, 前者详尽规定了网上国民银行准 入的程序规则和实质条件; 后者则在初步总结和厘清网上银行业务基本法律问题的基础上明确规定 了美国货币监理署 (OCC) 允许网上国民银行从事的电子活动的范围这些内容构成了美国网上 银行市场准入监管规则的主体部分, 使美国网上银行业务的发展有了更为清晰的法律依据 : 市场准入; 网上银行业务; 监管规则; 货币监理署 : D9962 : A : 1671- 1254- ( 2008)09- 0095- 08 A S tudy on th e Supervisory Ru les of M arket A ccess to the Internet Banking in the U. S YU Su- mei ( Iaw SchoolofZhongnan University of Econom ics and Law, HubeiW uhan 430074, China) Abs tract: M arketAccess Control is the first line of defense against the risks of traditionalbanking and those of internetbanking. The specific supervisory rules ofmarket access to the Internetbanking in theU. S. aremainly reg- ulated in ComptrollersCorporateManual- The Internet and the ationalBank Charter and ElectronicActivities. The formermakes themarketaccess rules of the internetnationalbanks in great detai,l and the latter stipulates theperm is- sible electronic activities clearly. Those rules constitutes themain parts of the internet banking m arket access rules, thereby provides the clearer legalbasis for the development of the internet banking in the U. S. K ey w ord s: market access; the internet banking; supervisory rules; OCC , , , ( Internet - only bank); , [ 1] (branch) ( kiosks)