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.