摘 要
放眼全球，依附于互联网的电子商务飞速发展，改变着我们的思维、生活和行为方式，同时随着网络时代的到来，信息时代为传统银行业揭开了未来美好的发展前景，发展电子银行已经成为全球银行业的必然趋势，这种趋势正在演变为金融领域里的一场深刻变革，并对金融业的发展产生了重大影响。在电子银行迅速发展的同时，人们也意识到相关法律的滞后在实践中严重影响了电子银行的发展。
本文第一部分介绍电子银行的概况，比较电子银行与传统银行的区别和简述电子银行的法律关系。我国的电子金融业处于起步阶段，发展的速度很快，当然也出现了不少问题已，所以文章第二部分则是探讨我国电子银行发展中的法律问题，其中的法律漏洞和冲突、黑客威胁、监管不利等问题是较突出的。对于促进我国电子银行的发展法律能够充当何种角色，文章的第三部分提出了若干建议。了解我国电子银行在法律发展方面的现状，发挥法律在金融电子交易中的作用，使电子银行更好更快发展，是本文研究的意义。
关键词：电子银行 黑客犯罪 电子银行监管
Legal Issues in Electronic Banking
ABSTRACT
Taking the whole world in view, the e-commerce which depends on the rapid development of Internet, has been changing our thoughts, life and the way of act. And with the advent of the Internet age, information age has opened bright prospects for the future of the development of the traditional banking. Developing the Internet banking has been becomes the inevitable trend of the global banking industry, which is becoming the deep transformation in the financial area. And also, it has a significant impact on the development of the financial industry. With his rapid development of electronic banking, people also realize that the lag of laws in practice seriously affects the development of Internet banking.
The first part of this paper describes the profile of electronic banking, and compares electronic banking with the traditional banks, and outlines the legal relations of electronic banking. China's e-finance industry is in its infancy, and the speed of development is fast. Of course, many problems have emerged. Therefore, the second part of the paper discusses the legal problems found in the development of electronic banking in China. The problems such as, legal risk, legal loopholes and conflicts, hacker threats are striking. For which role can law serve to promote the development of China’s electronic banking, the third part of the paper makes a number of recommendations. To understand China’s e-banking development in the legal status, to play the role of financial electronic transactions, to develop better and faster of electronic banking, is the significance of this paper.
Keywords: Electronic banking Hacker crime Electronic banking supervision
目 录 25000字
摘要 ....................................................Ⅰ
ABSTRACT ..................................................Ⅱ
引言 ....................................................1
1 电子银行的概述 ........................................2
1.1电子银行的定义 ...........................................2
1.1.1 自助渠道服务 ...........................................2
1.1.2客户服务中心 ............................................2
1.1.3手机银行 ................................................3
1.1.4网上银行 ................................................3
1.1.5狭义的电子银行 ..........................................3
1.2电子银行与传统银行的区别 ..................................3
1.2.1电子银行与传统银行的关系 ................................3
1.2.2电子银行业务是传统银行业务的延伸 ........................4
1.2.3电子银行比传统银行有巨大的优越性 ........................4
1.3电子银行的一般法律关系 ....................................5
1.3.1持卡人与发卡银行 ........................................5
1.3.2持卡人与特约商户 ........................................6
1.3.3发卡银行与特约商户 ......................................6
2 我国电子银行发展中的法律问题 ..............................7
2.1电子银行法律法规不完善 ....................................7
2.1.1网上支付责任不明确........................................7
2.1.2适用的归责原则相互冲突...................................10
2.1.3对黑客犯罪的规定不完备...................................12
2.2我国电子银行的监管体系不完善...............................14
2.2.1多头监管现象严重.........................................14
2.2.2监管手段落后 ...........................................15
2.2.3法律法规不完善 .........................................15
2.2.4技术规范和网上安全认证系统不完善、不统一 ...............15
3 解决我国电子银行法律问题的若干建议....................... 17
3.1完善我国电子银行监管法律制度...............................17
3.1.1借鉴发达国家的实践经验 .................................17
3.1.2调整我国电子银行监管制度 ...............................20
3.2完善我国电子银行立法 .....................................21
3.2.1制定电子银行法律法规 ...................................21
3.2.2打击黑客犯罪 ...........................................24
结语..........................................................27
参考资料......................................................28
谢辞..........................................................29
引 言
互联网的出现与应用是20世纪人类社会最伟大的发明创造之一，标志着人类信息时代的到来，网络与通讯技术为依托，以金融服务业为主导的现代化银行——电子银行（Electronic banking），以其方便快捷高效的服务迎来了市场。电子银行的诞生和发展，既给传统银行业改造带来了机遇，也对传统银行业提出了严峻挑战，同时也给相关传统的法律制度带来了问题和挑战。毫无疑问的是，如何对电子银行进行监管，首先是一个法律制度建设问题。美国一位银行监管官员曾说过：“银行监管机构处理的事务，百分之九十是法律问题。”许多电子银行的法律问题亟待我们研究。 |
