【摘要】：網(wǎng)上銀行給人類的生活帶來了深刻的影響，，對(duì)傳統(tǒng)的法制和理念提出了挑戰(zhàn)。網(wǎng)上銀行所涉及的法律問題甚為豐富而復(fù)雜，這源于該業(yè)務(wù)所具有的高科技性、無紙化、瞬時(shí)性等特點(diǎn)。 本文結(jié)合國(guó)內(nèi)外相關(guān)立法以及國(guó)內(nèi)銀行開展網(wǎng)上銀行業(yè)務(wù)的實(shí)踐，對(duì)網(wǎng)上銀行所涉及的法律問題作了初步的探討和分析。文章主要涉及了網(wǎng)上銀行市場(chǎng)準(zhǔn)入、網(wǎng)上銀行監(jiān)管、網(wǎng)上銀行業(yè)務(wù)中的法律關(guān)系、法律問題、網(wǎng)上銀行引起的法律變革以及網(wǎng)上銀行立法六個(gè)方面的法律問題。本文共分五個(gè)部分： 第一部分首先對(duì)網(wǎng)上銀行的定義作了界定，歸納出了網(wǎng)上銀行的基本特征及其優(yōu)勢(shì)，并對(duì)網(wǎng)上銀行的種類和發(fā)展現(xiàn)狀作了簡(jiǎn)單介紹，以便人們對(duì)網(wǎng)上銀行形成概括的認(rèn)識(shí)。 第二部分介紹了網(wǎng)上銀行的市場(chǎng)準(zhǔn)入和監(jiān)管法律制度。首先介紹了我國(guó)的網(wǎng)上銀行市場(chǎng)準(zhǔn)入制度。然后從比較法的角度介紹了美國(guó)和歐洲網(wǎng)上銀行的監(jiān)管模式，在借鑒國(guó)外先進(jìn)的監(jiān)管經(jīng)驗(yàn)并結(jié)合我國(guó)實(shí)際的基礎(chǔ)上，分析了我國(guó)網(wǎng)上銀行監(jiān)管的難點(diǎn)、監(jiān)管的內(nèi)容和措施。 第三部分闡述了網(wǎng)上銀行業(yè)務(wù)中的法律問題。首先從總體上歸納了網(wǎng)上銀行業(yè)務(wù)中的法律關(guān)系，然后在此基礎(chǔ)上開始對(duì)網(wǎng)上銀行業(yè)務(wù)中的具體法律問題加以分析。這些具體法律問題包括：簽字與認(rèn)證的法律問題、交易證據(jù)的法律問題、事故、故障造成損失時(shí)當(dāng)事人的法律責(zé)任、網(wǎng)上銀行業(yè)務(wù)中的刑事犯罪問題和跨國(guó)網(wǎng)上銀行業(yè)務(wù)中的法律適用與管轄權(quán)問題。 第四部分從經(jīng)濟(jì)法、民商法、刑法、民事訴訟法和國(guó)際私法中準(zhǔn)據(jù)法的選擇五個(gè)方面剖析了網(wǎng)上銀行所引起的現(xiàn)行法律的變革。 第五部分通過對(duì)網(wǎng)上銀行相關(guān)法律問題的概括和總結(jié)，從宏觀角度提出了網(wǎng)上銀行的立法建議。
[Abstract]:Internet banking has brought profound influence to human life and challenged the traditional legal system and concept. The legal problems involved in online banking are very rich and complex, which is due to the characteristics of high-tech, paperless, instantaneous and so on. Based on the domestic and foreign relevant legislation and the practice of domestic banks carrying out online banking, this paper makes a preliminary discussion and analysis on the legal issues involved in online banking. This paper mainly deals with the legal relationship, legal problems, the legal reform caused by internet banking and the legislation of internet banking in the following six aspects: market access for internet banking, supervision of internet banking, legal relationship in internet banking business. This paper is divided into five parts: the first part defines the definition of online banking, summarizes the basic characteristics and advantages of Internet banking, and briefly introduces the types and development status of online banking. So that people form a general understanding of online banking. The second part introduces the legal system of market access and supervision of internet banking. First of all, it introduces the market access system of internet bank in our country. Then it introduces the supervision mode of American and European online banking from the perspective of comparative law, and analyzes the difficulties, contents and measures of Chinese online banking supervision on the basis of drawing lessons from foreign advanced supervision experience and combining with our country's actual situation. The third part expounds the legal problems in the online banking business. In this paper, the legal relationship in the online banking business is summarized, and then the specific legal problems in the online banking business are analyzed. These specific legal issues include: legal issues of signature and certification, legal issues of transaction evidence, legal liability of the parties in the event of an accident or failure, Criminal offences in internet banking and legal application and jurisdiction in transnational internet banking. The fourth part analyzes the current legal changes caused by online banking from five aspects: economic law, civil and commercial law, criminal law, civil procedure law and the choice of applicable law in private international law. The fifth part, through the summary and summary of the related legal problems of the internet bank, puts forward the legislative suggestions of the internet bank from the macro point of view.
【學(xué)位授予單位】：對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2005
【分類號(hào)】：D912.28;D913

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相關(guān)期刊論文 前1條

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