【摘要】：隨著市場經(jīng)濟的發(fā)展,網(wǎng)上銀行作為金融業(yè)和高科技的新興產(chǎn)物誕生網(wǎng)上銀行提高服務效率的同時也帶來了一系列的風險,需要監(jiān)管當局及時加以監(jiān)管。網(wǎng)上銀行現(xiàn)存風險和傳統(tǒng)銀行風險類型相當,但是在技術風險、法律風險和信譽風險的具體表現(xiàn)內(nèi)容上與傳統(tǒng)銀行風險有所不同,因此,傳統(tǒng)銀行風險監(jiān)管手段和方法將不能夠全面、有效地防范風險,有必要對網(wǎng)上銀行監(jiān)管相關法律制度進行完善以適應網(wǎng)上銀行的特點。 本文主要分為六個部分。第一部分為引言,包括研究背景、意義、目的以及國內(nèi)外研究現(xiàn)狀。第二部分對網(wǎng)上銀行含義、分類、特點,現(xiàn)存風險類型及風險監(jiān)管的必要性和法律關系進行分析。第三部分對國外對網(wǎng)上銀行監(jiān)管模式、主體、體制＼方法、準入退出條件、技術風險、法律及信譽風險防范措施立法進行分析并總結出值得借鑒的經(jīng)驗。第四部分,總結我國網(wǎng)上銀行風險監(jiān)管現(xiàn)存問題,包括監(jiān)管模式需轉(zhuǎn)變,監(jiān)管體制無法適應現(xiàn)有經(jīng)營模式,監(jiān)管主體專業(yè)化能力需加強,監(jiān)管方法不能有效網(wǎng)上銀行特點,準入和退出條件不全面,技術風險、法律風險、信譽風險防范措施需進一步完善。第五章部分針對前述問題提出完善建議。包括：(1)堅持他律和自律監(jiān)管相結合的監(jiān)管模式；堅持功能型監(jiān)管體制；完善監(jiān)管主體協(xié)調(diào)機制；出臺具體監(jiān)管方法實施細則。(2)增加虛擬銀行準入條件,增加經(jīng)營業(yè)務范圍；設立退出法律制度。(3)建立技術風險監(jiān)管評級系統(tǒng)和全國統(tǒng)一安全認證機構,立法規(guī)定安全認證相關法定內(nèi)容。完善技術外包相關法律規(guī)定。(4)建議修改、補充網(wǎng)上銀行業(yè)務專門和支持立法；規(guī)定客戶合法權益；補充跨境業(yè)務監(jiān)管相關法律規(guī)定。
[Abstract]:With the development of market economy, online banking, as a new product of financial industry and high technology, has not only brought a series of risks to improve the service efficiency of online banking, but also needs to be supervised by regulatory authorities in a timely manner. The existing risks of online banking are the same as those of traditional banks, but the specific contents of technical risk, legal risk and reputation risk are different from those of traditional bank risks. therefore, the traditional means and methods of bank risk supervision will not be able to prevent risks comprehensively and effectively, so it is necessary to perfect the relevant legal systems of online banking supervision in order to adapt to the characteristics of online banking. This paper is divided into six parts. The first part is the introduction, including the research background, significance, purpose and domestic and foreign research status. The second part analyzes the meaning, classification, characteristics, existing risk types and the necessity and legal relationship of risk supervision. The third part analyzes the foreign legislation on online banking supervision mode, subject, system / method, access and exit conditions, technical risk, law and reputation risk prevention measures, and summarizes the experience worthy of reference. The fourth part summarizes the existing problems of online banking risk supervision in our country, including that the supervision mode needs to be changed, the supervision system can not adapt to the existing business model, the professional ability of the regulatory subject needs to be strengthened, the supervision methods can not effectively online banking characteristics, the access and exit conditions are not comprehensive, the technical risk, legal risk and reputation risk prevention measures need to be further improved. The fifth chapter puts forward some suggestions for the above problems. Including: (1) adhere to the regulatory model of combining heteronomy and self-regulatory supervision; adhere to the functional regulatory system; improve the coordination mechanism of regulatory subjects; issue detailed rules for the implementation of specific regulatory methods. (2) increase the access conditions of virtual banks and increase the scope of business; set up an exit legal system. (3) establish a technical risk supervision and rating system and a national unified safety certification body, and legislate on the relevant legal contents of safety certification. Improve the relevant legal provisions of technology outsourcing. (4) it is recommended to amend and supplement the special online banking business and support legislation; stipulate the legitimate rights and interests of customers; supplement the relevant legal provisions on cross-border business supervision.
【學位授予單位】：北京交通大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：D922.28;F832.2

【參考文獻】

相關期刊論文 前10條

1 徐江萍;宋俊;;我國網(wǎng)絡銀行監(jiān)管問題研究[J];安徽商貿(mào)職業(yè)技術學院學報(社會科學版);2008年01期

2 王艷燕;;網(wǎng)上銀行法律監(jiān)管問題研究[J];重慶郵電大學學報(社會科學版);2009年02期

3 劉滿達;;電子簽名認證中的消費者權益保護[J];法學;2009年01期

4 呂露;李玲;;淺談我國網(wǎng)絡銀行監(jiān)管法律制度[J];法制與社會;2007年12期

5 汪濤;;完善我國網(wǎng)絡銀行監(jiān)管的法律思考[J];光盤技術;2008年02期

6 盛大,操基群;網(wǎng)絡銀行監(jiān)管的國際實踐與構架選擇[J];廣西商業(yè)高等專科學校學報;2003年02期

7 王曉薇;;網(wǎng)絡銀行的風險及其控制措施[J];邊疆經(jīng)濟與文化;2007年06期

8 孫建;;對完善中國網(wǎng)絡銀行法律制度的思考[J];河北學刊;2009年06期

9 解淑青,裴濤;我國網(wǎng)上銀行監(jiān)管現(xiàn)狀及應對策略[J];哈爾濱學院學報;2005年06期

10 張龍濤;;強化我國網(wǎng)絡銀行風險監(jiān)管的研究[J];海南金融;2006年08期

相關碩士學位論文 前10條

1 桂芳;論我國網(wǎng)絡銀行法律的監(jiān)管[D];華中師范大學;2006年

2 商曉航;中外網(wǎng)絡銀行風險監(jiān)管比較研究[D];黑龍江大學;2006年

3 李s摵，

本文編號：2500902