本文選題：網(wǎng)上銀行　切入點：法律監(jiān)管　出處：《山西大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：網(wǎng)上銀行的蓬勃發(fā)展對中國經(jīng)濟(jì)而言是機遇也是挑戰(zhàn),應(yīng)當(dāng)在抓住發(fā)展契機增強我國金融業(yè)市場競爭力和國際競爭力的同時,建立能對其進(jìn)行積極的引導(dǎo)和規(guī)范的法律監(jiān)管體系。網(wǎng)上銀行監(jiān)管所涉及的法律問題頗為豐富和復(fù)雜,傳統(tǒng)銀行監(jiān)管法律制度體系難以對其進(jìn)行有效的監(jiān)管,如何構(gòu)建適于中國網(wǎng)上銀行的法律監(jiān)管體系是我們在現(xiàn)階段必須要解決的核心問題。網(wǎng)上銀行在各國的發(fā)展?fàn)顩r不盡相同,是與本國的經(jīng)濟(jì)狀況、國民素質(zhì)等息息相關(guān),作為發(fā)展中國家的網(wǎng)上銀行發(fā)展與發(fā)達(dá)國家不盡相同,具有法律基礎(chǔ)差、市場素質(zhì)不高、經(jīng)濟(jì)發(fā)展落后等顯著的特點。因此,在我國的網(wǎng)上銀行法律監(jiān)管體系的建設(shè)中,雖然歐美發(fā)達(dá)國家對于網(wǎng)上銀行監(jiān)管法律制度的研究和探索趨于成熟,有許多值得我國借鑒的經(jīng)驗和教訓(xùn),但值得注意的是在借鑒國外經(jīng)驗時應(yīng)立足本國國情,從實際出發(fā),而不能照搬照抄,盲目崇拜,只有建立起符合我國國情的網(wǎng)上銀行監(jiān)管法律制度,才有可能發(fā)揮法律對網(wǎng)上銀行的規(guī)制作用。 本文通過對我國網(wǎng)上銀行的發(fā)展?fàn)顩r、法律制度進(jìn)行深入分析,并在借鑒國外成熟經(jīng)驗的基礎(chǔ)上,提出：在構(gòu)建法律監(jiān)管體系中,在宏觀上應(yīng)堅持風(fēng)險監(jiān)管與促進(jìn)創(chuàng)新兼顧、公平與效率兼顧、保護(hù)消費者權(quán)益、國際性等原則；在微觀上應(yīng)從健全網(wǎng)上銀行法律制度體系、建立協(xié)同監(jiān)管機制、靈活的市場準(zhǔn)入法律制度、謹(jǐn)慎的退出機制、維護(hù)客戶合法權(quán)益、健全信息披露制度等方面入手,構(gòu)建適于我國網(wǎng)上銀行發(fā)展的法律監(jiān)管體系,以便能行之有效的對其進(jìn)行規(guī)范和約束,增強我國金融業(yè)的國際競爭力,從而實現(xiàn)我國經(jīng)濟(jì)平穩(wěn)有序的發(fā)展。
[Abstract]:The booming development of online banking is both an opportunity and a challenge to China's economy. It is necessary to seize the opportunity to strengthen the market competitiveness and international competitiveness of China's financial industry. To establish a legal supervision system which can guide and standardize it actively. The legal problems involved in online banking supervision are quite rich and complex, so it is difficult for the traditional banking supervision legal system to supervise it effectively. How to build a legal supervision system suitable for China's online banking is the core problem that we must solve at this stage. The development of Internet banking in different countries is closely related to the economic situation and national quality of our country. As a developing country, the development of online banking is different from that of developed countries, and it has the characteristics of poor legal basis, low market quality, backward economic development, etc. Therefore, in the construction of legal supervision system of online banking in our country, Although the research and exploration of the legal system of online banking supervision in developed countries in Europe and America tend to mature, there are many experiences and lessons that our country can learn from, but it is worth noting that, when drawing lessons from foreign experiences, we should base ourselves on our own national conditions and proceed from the actual situation. Only by establishing a legal system of supervision of online banking in line with the national conditions of our country, it is possible to give play to the role of the law in regulating online banks. Based on the deep analysis of the development situation and legal system of our country's online banking, and on the basis of drawing lessons from the mature experience of foreign countries, this paper puts forward that: in the construction of legal supervision system, we should insist on risk supervision and promote innovation. Principles of fairness and efficiency, protection of consumers' rights and interests, internationalism, etc. From a micro perspective, we should improve the legal system of online banking, establish a cooperative supervision mechanism, a flexible legal system for market access, and a prudent exit mechanism. In order to maintain the legitimate rights and interests of customers and improve the information disclosure system, the author constructs a legal supervision system suitable for the development of China's online banking, so that it can be effectively regulated and restrained, and the international competitiveness of our financial industry can be enhanced. Thus realize our country economy steady and orderly development.
【學(xué)位授予單位】：山西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：D922.28;F832.2

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 張蓓蓓;網(wǎng)絡(luò)銀行業(yè)務(wù)監(jiān)管法律制度研究[D];鄭州大學(xué);2013年

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本文編號：1612701