美国网上银行市场准入规则探析

市场准入监管是防范各种银行业风险，对银行业实施监管的第一道防线，无论对于传统银行业务还是对于网上银行业务而言均是如此。美国网上银行市场准入监管的具体规则主要体现在《互联网与国民银行注册》和《电子活动最后规则》之中。其中，前者详尽规定了网上国民银行准入的程序规则和实质条件；后者则在初步总结和厘清网上银行业务基本法律问题的基础上明确规定了美国货币监理署（OCC）允许网上国民银行从事的电子活动的范围。这些内容构成了美国网上银行市场准入监管规则的主体部分，使美国网上银行业务的发展有了更为清晰的法律依据。

A Study on the Supervisory Rules of Market Access to the Internet Banking in the U.S

Market Access Control is the first line of defense against the risks of traditional banking and those of internet banking.The specific supervisory rules of market access to the Internet banking in the U.S.are mainly regulated in Comptroller's Corporate Manual-The Internet and the National Bank Charter and Electronic Activities.The former makes the market access rules of the internet national banks in great detail,and the latter stipulates the permissible electronic activities clearly.Those rules constitutes the main parts of the internet banking market access rules,thereby provides the clearer legal basis for the development of the internet banking in the U.S.