网上银行法律监管的国际实践及其对我国的启示

Internet Banking Supervision Law and Its International Practice Enlightenment

随着网上银行的兴起和发展,如何构建和完善网上银行监管法律制度以对其进行有效监管成为国际社会普遍关注的重大课题之一。巴塞尔银行监管委员会在网上银行业务风险及其监管领域提供了许多可供借鉴的重要原则,发达国家和地区在这一领域的积极探索也提供了许多宝贵经验。本文拟从理论上对发达国家和地区的网上银行法律监管的国际实践进行考察和分析,进而阐明这些网上银行法律监管的国际实践对于全面构建和完善我国网上银行监管法律制度的重要启示。

With the rise and development of online banking,online banking how to build and improve its supervision of the legal system to effectively monitor the international community one of the major issues of common concern.Basel Committee on Banking Supervision in the online banking area of risk and regulation provides a number of important principles for reference,the developed countries and areas of active exploration in this area also provides a number of valuable experience.This paper theoretically developed countries and regions online banking supervision law to inspect and analyze the international practice,and illustrates the legal regulation of these online banking international practice for the full build and improve our online banking supervision legal system an important inspiration.