论手机银行信用风险和技术风险的法律规制

Discussion on the Legal Regulation of Credit Risk and Technical Risk in Mobile Banking

手机银行作为网上银行业务的一种延伸,既覆盖了其全部的功能,又拥有其所不及的贴身便捷性,自出现以来迅速在市场中占据一席之地。而其独特的移动电子渠道的服务方式使其在业务运行的风险上具备一些特征,如传统的信用风险的增大以及特有的技术风险的出现,需加以特别关注。目前,我国现存的法律制度并没有对手机银行作出单独而系统的规制,而是分散规定在各类规章文件中。这种模式下的监管力度相对较弱,且并不适应当下移动金融迅猛发展的现实情况。因此,立法应当思考如何构建更为有效的手机银行规范体系。就其运行中的信用风险和技术风险而言,从风险所涉及到的相关主体的关系入手进行针对性的法律规制将是一种较为有效的风险管理手段。

Mobile banking is a kind of extension of the internet banking. It not only possesses all the functions the in- ternet banking provide, but also has more convenience than the latter one, which makes itself become extraordinarily popu- lar just in a short period since it was appeared. At the same time, its special mobile delivery channel adds some new fea- tures to the operation risks, such as the increase of credit risks and the appearance of special technical risks, which should be paid attention to. But now, there isn＇t a systematic regime about mobile banking in our country, just some scattered arti- cles in several legal documents. This mode of supervision is relatively weak, and does not adapt to the rapid development of mobile finance. Therefore, legislation should consider how to build a more effective legal system of mobile banking. As for the credit risk and technology risk in its operation, clarifying the relationship of the main parts involved and then mak- ing pertinent regulations will be a useful way of risk management.