Research On Internet Banking Supervision,Problems And Countermeasures

The occurrence of market failure,it makes the government's supervision of the network bank has a practical significance."The basic purpose of the government's banking supervision is to protect consumers and to enhance public confidence in the banking system." Government through the supervision of Internet banking and business activities and to standardize the behavior of network bank,reduce the network bank in incomplete competition,the adverse effects of negative externalities and asymmetric information,to protect the security of network bank transaction,the interests of consumer protection,enhance consumer confidence,maintenance network bank healthy and stable development.The special significance of the legal supervision of Internet banking is that the network bank is the summary and embodiment of the management mode of many layers.Internet banking should be subject to the supervision of the network security department,but also subject to the supervision of the banking sector.Internet banking as a virtual trading platform,its openness and flexibility in the space of transactions are not available to ordinary banks.In addition,online banking is more likely to occur due to the information asymmetry and damage to the interests of consumers,so the legal supervision of Internet banking is particularly important.From the perspective of the development of world economy,banks as "blood" of the economic activities become an integral part of a country's economy an important part of,to the bank as the main carrier of the stability of the financial system is crucial to the economic development.From the perspective of the development of financial industry,information asymmetry,adverse selection and moral hazard of Internet banking have made the country more stringent regulation.The purpose of the regulation of financial industry is different from the regulation of common economic subject.The core is to realize the stability of the whole financial system through the supervision of the bank.Online bank as a financial innovation and the development of information technology products,the essential attribute of the traditional bank and its particularity.Therefore,from the basic theory of traditional bank supervision and special for online banking supervision,the practical significance of the two aspects were discussed.The importance of improving the legal system of Internet banking supervision in our country is self-evident.From the theoretical point of view,in the face of the current regulatory legal system of China's online banking system,the legislation should be implemented in a timely and effective manner to the normal operation of China's online banking,as well as more rapid development to provide protection.But the actual situation is worrying,and there is no system for the legal system of the supervision of the Internet Bank in our country,forward-looking legislation,even if is existing some related laws and regulations and do not get a very good implementation.In view of the research on the legal system of China's online banking supervision is not systematic,in-depth.How in referring to foreign some network banking supervision legal system bug your experience,improve legal system of the supervision of the Internet Bank in our country's legislative system,the supervision system,make the Internet banking of our country in terms of regulatory principles,objectives,content,and more perfect,more conducive to promoting the development of the Internet Bank in our country,which is the focus of this research.Therefore,this topic has both theoretical significance and practical significance.