| In the era of big data,a large number of online banking user information is collected,so the user’s information security and transaction security is facing a huge threat.Traditional banking supervision law provisions comparison principle is in the need for further improvement and perfection.Throughout the foreign-related laws and regulations,foreign security obligations for online banking research has gone deep into very detailed areas,including information technology security standards,electronic contracts,electronic signatures,electronic funds transfer,etc.and has established a thorough and systematic legal system.Therefore,this paper is divided into five parts,the analysis of the status of domestic online banking security on the basis of summed up the problems and propose appropriate ways to improve,in order to be prepared to help more academic.Firstly,the paper analyzes the changes in the era of big data,online banking security obligations occur,and the core content is no longer confined to safeguard financial security and transaction security users,but both the user’s information security and transaction security.And the specific content of information security and transaction security will be more clear.Secondly,on the status of the domestic online banking security obligations,summed up with the problems of security in online banking user information security and transaction security presence.In terms of information security obligations,securing storage and transmission of information from technical standards,rules of use online banking user information,online banking accompanying obligations and responsibilities of the three aspects to elaborate.Transaction security obligations,from the electronic contract form contract property,"technology neutral" mode of electronic signature legislation,effectiveness and accountability of unauthorized electronic payments assume three aspects to elaborate.Finally,on the basis of the problem,through the analysis of the European Union,the United States,Japan and other national security obligations under the proposed our online banking security obligations comprehensive way,including the development of minimum information security standards,provisions user information using rules,improve electronic contracts and electronic signatures legislation mode. |
