發(fā)布時間：2018-06-23 04:07

  本文選題：網(wǎng)上銀行 + 法律監(jiān)管　； 參考：《暨南大學》2010年碩士論文

【摘要】： 網(wǎng)上銀行是近年來頗受法學界和商務實踐領域所關注的熱點問題,它對傳統(tǒng)的法學理論產(chǎn)生了巨大的沖擊。網(wǎng)上銀行所涉及的法律問題甚為豐富而復雜,它不同于傳統(tǒng)經(jīng)營模式,會出現(xiàn)許多新的法律問題,如何對網(wǎng)上銀行進行有效的法律監(jiān)管,就顯得非常迫切和現(xiàn)實。目前,我國網(wǎng)上銀行監(jiān)管法律制度存在有一定進步之處,法律體系也初具雛形,與其他國家的網(wǎng)上銀行監(jiān)管制度日趨一致。尤其是重視網(wǎng)上銀行安全建設與防范,網(wǎng)上銀行的日常監(jiān)管工作正在加強,明確跨境業(yè)務及服務外包監(jiān)管。但同時也存在很多問題,如法律制度體系不完善,適用審批制的業(yè)務范圍過寬,網(wǎng)上銀行交易雙方權利義務劃分不清,由于技術、設備、人員等原因導致的操作風險,以及網(wǎng)上銀行市場退出機制不盡完善。完善我國網(wǎng)上銀行監(jiān)管法律制度應在堅持全球性、安全性、技術中立、保護客戶權益等原則的前提下,建立健全網(wǎng)上銀行監(jiān)管法規(guī),制定與之配套的實施細則,縮小審批制的范圍,并進一步完善市場退出機制,完善現(xiàn)有的網(wǎng)上銀行安全保障措施,促進網(wǎng)上銀行完善自身內(nèi)部監(jiān)管,明確網(wǎng)上銀行交易雙方權利義務關系,加強國際間網(wǎng)上銀行監(jiān)管的合作。
[Abstract]:Internet banking is a hot issue in the field of law and business practice in recent years, which has a great impact on the traditional legal theory. The legal problems involved in online banking are very rich and complex. It is different from the traditional business model, and there will be many new legal problems. It is very urgent and realistic to conduct effective legal supervision on online banking. At present, there is some progress in the legal system of online banking supervision in our country, and the legal system is beginning to take its infancy, which is more and more consistent with the supervision system of online banking in other countries. In particular, it pays attention to the security construction and prevention of Internet banking. The daily supervision of Internet banking is being strengthened, and the supervision of cross-border business and service outsourcing is clearly defined. But at the same time, there are also many problems, such as the imperfect legal system, the wide scope of business applicable to the examination and approval system, the unclear division of rights and obligations between the parties involved in online banking transactions, and the operational risks caused by technology, equipment, personnel, etc. And the exit mechanism of online banking market is not perfect. In order to perfect the legal system of online banking supervision in China, we should establish and improve the laws and regulations of online banking supervision and regulations and formulate the corresponding implementing rules on the premise of adhering to the principles of globality, safety, technology neutrality, protection of customers' rights and interests, etc. Narrow down the scope of the examination and approval system, further improve the market withdrawal mechanism, improve the existing online banking security measures, promote Internet banking to improve its own internal supervision, and clarify the relationship between the rights and obligations of both sides of online banking transactions, To strengthen international cooperation in the supervision of online banking.
【學位授予單位】：暨南大學
【學位級別】：碩士
【學位授予年份】：2010
【分類號】：D922.281;F832.2

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本文編號：2055693