On Legal Protection Of Internet Banking Consumer

Internet banking has greatly facilitated people’s lives, but also brought a major shift in consumption patterns and consumption structure. But our management for internet banking, whether in law or in practice, have not formed a mature system, which makes internet banking there have been some damage to the interests of consumers. With respect to banks, consumers are lower in position in the way to obtain the information and knowledge, therefore, the analysis of problems of internet banking protection of consumer rights in legal aspects, learning from foreign experience, building appropriate mechanisms for the protection of the rights and interests of internet bank consumers is extremely important.The author comprehensively applies the empirical analysis and document analysis to make systematic research on the issues of the legal safeguards for the protection of the rights and interests of internet bank consumers. The thesis consists of four parts besides the introduction portion.The first part is the case describing. I selected three cases, that is money was stolen in internet banking, consumers’personal information is leaked out, legal safeguard for the internet bank consumers is difficult in internet banking. These three cases lead author to think of the protection of the rights and interests of internet bank consumers.The second part is the problem analysis. The author mainly introduces the current situation and problems in domestic protection method for internet bank consumers. Through the analysis of above three cases, we can see there exists some problems in domestic protection method for internet bank consumers:information disclosure system is not perfect; the dispute settlement mechanism is imperfect; account security technology is at lower level; consumer personal information leakage is serious.The third part concerns the study on the legislative experiences for the protection of internet bank consumer overseas. The author chooses the legal practice in the United States and the European Union as the objects of study for they are so special, complicated and advanced. These legislative experience abroad provides domestic internet banking management system with useful reference.For the fourth part, the author appeals to give the advice about how to improve Chinese internet banking consumer protection regime. Learn from foreign experience in online banking regulatory system, the author proposes to conclude the method to improve the protection of the legal rights and interests of domestic internet banking consumer. These include: improve the information disclosure system; strengthen the dispute settlement mechanism; enhance safety and technical standards; protect consumers’ personal information; establish advanced compensation mechanisms.