网络银行法律监管的国际实践

随着世界经济全球化趋势的迅速发展,金融业中出现了一种全新的银行——网络银行。它利用国际互联网,设立面向客户的虚拟银行柜台,为客户提供高效、便捷的服务。但是,网络银行在给人们带来了无尽便利的同时,也带来了巨大的风险。因此,对网络银行进行有效的法律监管,规避各种风险,也便具有了必要性和紧迫性。通过借鉴国际上先进的网络银行法律监管理念和措施,可以为改善和健全我国的网络银行法律监管体系及相应运作模式提供有益的帮助,能够促进我国网络银行的快速发展。

International practice of legal supervises on network bank

With the rapid development of the globalization trend of economy and finance of the world, there has appeared a new kind of brand-new bank in financial circles - -Network bank. With Internet it set up the fictitious bank counter offering the customer high-efficient, convenient services. However, while the network bank brings the endless facility to people, it also introduces the enormous risk. Therefore, it is necessary and urgent to carry on the effective law to supervise the network bank and to evade various kinds of risks. Drawing the lessons from the supervisory law and the method of the advanced network bank in the world could offer useful help for improving and perfecting the law supervisory system of network bank of our country and corresponding operation mode, and also could promote the fast development of the network bank of our country.