浅析电子银行存在的风险及法律监管

Analyses on the Risk and the Legal Supervision of Electronic Banking

电子银行是随着互联网的发展而兴起的一种方便快捷的金融服务手段,在互联网时代,小到网上购物、转账,大到商务交易,电子银行扮演着很重要的角色。然而,在我们享受着便捷的同时,电子银行自身也携带着很大的风险。近年来,关于消费者信息被盗用、受到诈骗等案件越来越多。电子银行遭受风险时,受到影响的不只是消费者的合法权益,还有银行的利益,更重要的是国民经济的发展。因此,加强对电子银行的法律监管就显得十分必要了,只有提高立法层级,建立国际通行的监管体系才能有效地保护消费者以及银行业自身的利益;同时也有利于维护金融体系的正常运转,为国民经济的稳定运行提供有力的保障。

Electronic banking is a new means of financial services with the development of internet, which is convenient and fast. In the Internet age, electric banking takes the important role in different trades, from small internet purchases and transfers to large business transactions. However, electronic bank itself also carries great risks when we enjoy its convenience. In recent years, more and more cases of consumer information theft and fraud appeared. When e - banking suffers the risk, not only the consumers ＂legal rights and interests and the interests of the banks, but also the development of the national economy are affected. Therefore, it seems to be extremely necessary to strengthen the legal supervision for e - banking. Only by improving the legislation level and establishing the international supervision system, can we effectively protect consumers＇and banks＇own interests. In this way, it is beneficial to keep the financial system operating normally and offer strong guarantee for the stable development of national economy.