论我国网上银行监管法律制度的完善.doc

论我国网上银行监管法律制度的完善 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 perfectAccordingly, the legal regulation system of internet banking should be improved in all aspects mentioned above under the principle of globality, safety, technology-neutrality and consumer-protectionKey words: internet banking; legal regulation; system innovation II 目 录 摘要..I Abstract…….II 目录..III 前言..1 1 我国网上银行监管法律制度现状考察..2 1.1 我国网上银行监管法律制度概述2 1.1.1 构建我国网上银行监管法律制度之必要性分析..3 1.1.2 我国网上银行监管的现有法律法规框架.4 1.2 我国网上银行监管法律制度的进步之处5 1.2.1 总体框架上的进步之处..5 1.2.2 具体制度上的进步之处..7 1.3 我国网上银行监管法律制度存在的问题8 1.3.1 网上银行监管的法律制度体系不完善..8 1.3.2 适用审批制的业务范围过宽9 1.3.3 网上银行交易双方权利义务划分不清10 1.3.4 由于技术、设备、人员等原因导致的操作风险11 1.3.5 网上银行市场退出机制不尽完善..12 2 发达国家及地区网上银行监管法律制度分析及启示13 2.1 发达国家及地区网上银行监管法律制度分析..13 2.1.1 美国网上银行监管法律制度分析..13 2.1.2 我国香港地区网上银行监管法律制度分析..15 2.2 网上银行监管法律制度的国际实践对我国的启示.19 2.2.1 安全且高效的立法指导思想是网上银行监管的重要指引..19 2.2.2 全面且规范的法律法