| 我国网上银行监管模式的法律分析 |
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| 引用本文： | 张锋学.我国网上银行监管模式的法律分析[J].华南理工大学学报(社会科学版),2012,14(2):50-54. |
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| 作者姓名： | 张锋学 |
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| 作者单位： | 广东农工商职业技术学院管理系法学教研室,广东广州,510507 |
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| 摘 要： | 银行业务的虚拟化，改变了传统银行业的经营模式、价值观念、管理方法和竞争格局。近几年来，我国网上银行业务飞速发展，但是在行业规划、经营管理、风险控制和业务监管等方面与国外网上银行业务发达的国家相比还有较大的差距。目前，我国网上银行的发展面临相关法制建设滞后、安全问题突出、监管不到位等问题，这些问题的存在影响了我国网上银行的可持续发展。本文对我国网上银行发展面临的困境进行了深入地分析，提出了一些解决问题的方法。
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| 关 键 词： | 网上银行 监管模式 社会信用 安全机制 |
A Legal Analysis of the Mode of Online Banking Supervision in China |
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| ZHANG Feng-xue.A Legal Analysis of the Mode of Online Banking Supervision in China[J].Journal of South China University of Technology(Social Science Edition),2012,14(2):50-54. |
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| Authors: | ZHANG Feng-xue |
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| Institution: | ZHANG Feng-xue(Management Department,Guangdong Agriculture Industry and Business Poly-technique College,Guangzhou 510507,Guangdong,China) |
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| Abstract: | Banking virtualization has changed the traditional banking business model,values,management and competition.In recent years,online banking in our country has developed rapidly,but there is a large gap in the industry planning,management,risk control and business regulation compared with foreign countries.At present,the development of online banking in China is facing the problems of legal system,safety issues,and regulation.These problems affect the sustainable development of China’s online banking.This article makes an in-depth analysis of the dilemma of the development of online banking,and puts forward some solutions to the problems. |
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| Keywords: | online banking supervision mode social credibility security mechanism |
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