我国网上银行支付法律规制分析

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1、完善我国网上银行支付法律规制方面，首先要明确其法律规制的原则。依据法律法规的原则进而对我国网银法律规制提出完善的建议，涉及到市场准入制度、市场退出制度、建立信息披露制度、明确网上银行支付法律责任。在完善我国网上银行市场准入制度中，本文创新性的引入了学者们在探讨上海自贸区对外商投资管理的负面清单管理模式。希里通过这篇文章，能够为建构合理有效的网上银行支付法律规制制度，减少网上银行支付问题，营造安全、高效的网上支付环境贡献自己绵薄之力。关键词：网上银行支付市场准入制度市场退出制度信息披露制度法律责任Ab

2、stractTheworld'sfirstnetworkbankappearedintheUSAinthe1990s.TheInternetbankforthefinancialfieldtodevelopmoreisamixoffinancialinnovationandtechnologicalinnovation,whichprovidesenvironmentinnovativegoods,andtechnologicalinnovation.Since199&ChinaMerchantsB

3、ankopenonlinebankingservice,otherbankshavealsolaunchedonlinebankingservices.Chinafsonlinebankingpaymentbusinessrapiddevelopmentmomentum,butourlawsandregulationsrelatingtotheonlinebankingpaymentisstillrare.Chinahasnotaso-called"pureInternetbank”atnow,On

4、linebankingpaymentisnotrestrictedbytimeandspace,lowcostandfastspeed,whichmakemoreandmorepeoplepaytouseonlinebanking.Onlinebankingpaymentismoreandmoreclosetopeople'slives.Thisbusinesscanbeclassifiedas"shadowbanking11.ThegeneralofficeoftheStateCounciliss

5、uedannoticeHtostrengtheningtheshadowbankingregulationinDecember10,2013,whichmeansthatChina'sbankingregulatoryauthoritiesaffirmedandsupportedthedevelopmentofHshadowbanking11,whichalsomeans"pureinternetbank11isonthecorner.Opennessandthevirtualprototypeof

6、onlinepaymenthavebroughtnewchallengestotheregulatoryauthorities.AcompletesystemoflegalregulationwillnotonlyreducetheincidentsoftheInternetbankingpaymentgreatlybutalsopromotethedevelopmentofInternetbankingpaymenthealthily.Therefore,howtolearnfromtheexpe

7、rienceoftheadvancedcountries，legalregulation,howtosetupaperfectlawandregulationsystemforonlinebankingpaymentinourcountryandhowtousethelawtodealwiththelegalrelationshipbetweenbanksandtheircustomers,havebecomeanimportantsubjectofthelawstudy.Theriskborneb

8、ytheonlinebankingpaymentindustryandcustomersusingonlinebankingpaymentismuchbiggerincomparisonwiththetraditionalbank.Frequentoccurrenceofunsafeeventsononlinebankingpaymentfurtherconfirmstheimportanceofperfectingthelegalregulationofonline