网络银行监管面临的挑战与应对策略

Challenges and Countermeasures of Internet Banking Supervision

由于计算机技术不断革新和互联网的普及,网络银行的用户数、交易量和经济效益呈现大幅增长的态势,推动了网络银行的快速发展。网络银行与传统银行相比其运用信息技术的方式更加多元,服务效率得到了极大提升。但我国网络银行还存在未构建完善的法律监督机制、监管模式模糊以及监管内容不清晰等诸多问题,影响了网络银行的安全运行。基于此,应完善网络银行监管法律体系、探索新的网络银行监管模式、明确网络银行监管内容、健全网络银行监管制度,以期强化网络银行法律监管,促进网络银行健康发展。

Due to the continuous innovation of computer technology and the popularization of the Internet,the number of users,transaction volume and commercial interests of Internet banking have increased,which has promoted the rapid development of Internet banking.However,there are still many problems in China's Internet banks,such as imperfect legal supervision mechanism,fuzzy supervision mode and un-clear supervision content,which affect the safe operation of Internet banks.Based on this,we should im-prove the legal system of Internet banking supervision,explore new modes of Internet banking supervi-sion,clarify the contents of Internet banking supervision and improve the regulatory system of Internet banking,so as to strengthen the legal supervision of Internet banking and promote the healthy and vigor-ous development of Internet banking.