论网络银行的监管

On the Supervision of Network Bank

互联网时代的到来为网络银行发展提供了必要的技术条件、网络银行也因其较传统的银行经营业务方式具有诸如服务领域宽、服务质量高、经营成本低、管理水平先进等优势 ,因而具备了较强的生命力和发展前途 ,但与此同时 ,网络银行在其发展过程中 ,也带来了诸多的风险 ,如系统风险、操作风险、法律风险、其他风险等。因此有必要加强对网络银行的监管 ,在监管过程中 ,可以采取的措施有 ,不断完善有关网络银行和在线支付的法律法规 ,采用灵活多变的监管措施 ,网络银行监管中的“窗口指导”等。

Along with the arrival of mutual connection of network suggested essential conditions of techniques for the network banks because of network bank has much superiority in managerial business manner than the traditional banks,such as broad sphere of service,high quality of service.low cost of management,advanced of management level etc,thereupon it has the comparatively strong vitality and developing future,however at the same time the network bank has hrought many risks in the process of development,such as systematic risks,operation risks,law risks and other risks.Therefove it is essential for us to strengthen the supervisison for network banks,we can adopt following measures for supervision,continuously improve the law and statutes of network bank and branch bank in line and adopt flexible and variable supervision measures,conduct 'window guidance' in the supervision of network bank.