对完善中国网络银行法律制度的思考

On Improving Legal System of China's Internet Banking

近年来,中国大陆网络银行业务和网络银行立法都取得了巨大的发展,网络银行业极大地促进了中国经济和金融业的发展。然而,在网络银行业运营过程中也存在着一些问题,主要表现为网络银行安全法规不够完善、网络银行交易管辖权难以确定、传统银行分业监管与网络银行混业经营之间存在冲突、网络银行内部监管规定不够明确等。这些问题严重地阻碍了网络银行业的发展。本文拟对上述问题进行深入探讨,以期促进中国大陆网络银行法制的完善和网络银行业的健康发展。

In recent years,internet banking and legislation of internet banking have been developed greatly. Internet banking have promoted the economic and financial development greatly. However, there are some legal problems in our country regularly, such as limitation of the safety regulations of internet banking, difficult confirmation of internet banking jurisdiction, the conflict between different business of traditional banking and mixed supervision of internet banking, ternet banking and analyze the issues indistinct regulation of interal supervision of insome fields of internet banking for lack of regulation. The article tries to discuss and mentioned above to promote perfection of legal system of internet banking and healthy development of internet banking.