网上银行业务风险的国际监管与我国的对策

International Supervision against Risks of Internet Banking and Our Countermeasures

21世纪是网上银行时代。为保障网上银行安全,促进跨国银行业公平竞争,有必要制定有关网上银行业务管理的国际统一规则。巴塞尔委员会发布的《电子银行业务风险管理原则》是这类规则的代表。该文件从董事会与管理层监控、安全控制、法律与信誉风险管理等三个方面提出了网上银行业务风险管理原则。我国应加强网上银行业务风险监管的法律研究,借鉴相关国际经验,提高网上银行业务的监管水平。

Twenty-first century is internet banking era. In order to promote safety or mternet banking and fair competition of transnational banking, it is essential to make unified laws and rules for internet banking. ＂The Principles of Risks Management for Electronic Banking＂ published by Basle Committee, is an example. The paper poses 14 principles of supervision for risks of internet banking from three aspects. China should strengthen the legal research on the supervision against risks of internet banking, use the related international experience for reference and improve the level of supervision for internet banking.