论网络银行法律问题及其对策

Discussing Legal Problems of Internet Banks and the Countermeasures

网络银行的发展对我国现有法律制度提出了新的挑战,文章探讨了网络银行的市场准入和退出、网络银行客户隐私权的保护、网络银行与票据法律制度的冲突、网络银行的监管、电子签名的法律效力及网络银行的法律责任等网络银行的核心法律问题。指出通过电子签名等立法、加强监管、规范网络银行行为、加强网络银行技术标准来保障网络银行的安全。

The development of Internet banks puts forward the new challenges to our present laws. Market access and quitting of Internet banks, the protection to the right of privacy of Internet banks＇ customers, the conflict of Internet banks and legal system of commercial instrument, supervision about Internet banks, legal effect of electronic signature and the legal responsibility of Internet banks. The safety of Internet banks can be guaranteed by passing the legislation of electronic signature law, strengthening supervision, regulating the behavior of Internet banks and enhancing the practical standard of Internet banks.