【摘要】：隨著市場經(jīng)濟(jì)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(wù)效率的同時(shí)也帶來了一系列的風(fēng)險(xiǎn),需要監(jiān)管當(dāng)局及時(shí)加以監(jiān)管。網(wǎng)上銀行現(xiàn)存風(fēng)險(xiǎn)和傳統(tǒng)銀行風(fēng)險(xiǎn)類型相當(dāng),但是在技術(shù)風(fēng)險(xiǎn)、法律風(fēng)險(xiǎn)和信譽(yù)風(fēng)險(xiǎn)的具體表現(xiàn)內(nèi)容上與傳統(tǒng)銀行風(fēng)險(xiǎn)有所不同,因此,傳統(tǒng)銀行風(fēng)險(xiǎn)監(jiān)管手段和方法將不能夠全面、有效地防范風(fēng)險(xiǎn),有必要對網(wǎng)上銀行監(jiān)管相關(guān)法律制度進(jìn)行完善以適應(yīng)網(wǎng)上銀行的特點(diǎn)。 本文主要分為六個(gè)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(diǎn),現(xiàn)存風(fēng)險(xiǎn)類型及風(fēng)險(xiǎn)監(jiān)管的必要性和法律關(guān)系進(jìn)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(zhǔn)入退出條件、技術(shù)風(fēng)險(xiǎn)、法律及信譽(yù)風(fēng)險(xiǎn)防范措施立法進(jìn)行分析并總結(jié)出值得借鑒的經(jīng)驗(yàn)。第四部分,總結(jié)我國網(wǎng)上銀行風(fēng)險(xiǎn)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(yīng)現(xiàn)有經(jīng)營模式,監(jiān)管主體專業(yè)化能力需加強(qiáng),監(jiān)管方法不能有效網(wǎng)上銀行特點(diǎn),準(zhǔn)入和退出條件不全面,技術(shù)風(fēng)險(xiǎn)、法律風(fēng)險(xiǎn)、信譽(yù)風(fēng)險(xiǎn)防范措施需進(jìn)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(jiān)持他律和自律監(jiān)管相結(jié)合的監(jiān)管模式；堅(jiān)持功能型監(jiān)管體制；完善監(jiān)管主體協(xié)調(diào)機(jī)制；出臺(tái)具體監(jiān)管方法實(shí)施細(xì)則。(2)增加虛擬銀行準(zhǔn)入條件,增加經(jīng)營業(yè)務(wù)范圍；設(shè)立退出法律制度。(3)建立技術(shù)風(fēng)險(xiǎn)監(jiān)管評(píng)級(jí)系統(tǒng)和全國統(tǒng)一安全認(rèn)證機(jī)構(gòu),立法規(guī)定安全認(rèn)證相關(guān)法定內(nèi)容。完善技術(shù)外包相關(guān)法律規(guī)定。(4)建議修改、補(bǔ)充網(wǎng)上銀行業(yè)務(wù)專門和支持立法；規(guī)定客戶合法權(quán)益；補(bǔ)充跨境業(yè)務(wù)監(jiān)管相關(guān)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(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：D922.28;F832.2

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