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现阶段随着经济发展以及信息技术的进步,网络银行可以说在使用方面已经越来越具有普遍性,可以说生活中的资金融通已经有很大一部分都可以通过网络银行来进行。需要承认网银的出现使得我们的生活带来了许多的便利,但是同样的,也可以说网络银行的虚拟性也给了安全风险更多的可乘之机,可以说进一步增加了资金使用的安全隐患。因此,对于网络银行的监管,可以说必然的会被提上日程。而法律的形式,作为国家的效力规范,代表着国家意志,也必然的需要作为网络银行法律监管的载体受到关注。需要承认现阶段在法律方面对于虚拟金融本身已经有了相当的规制,但是相对于日新月异的信息技术发展水平来说,法律的更新还是稍显缓慢,依然有一些需要改进的地方。因此,也是有必要对于网络银行监管法律制度,做一个简单的探析。
At this stage with the economic development and advances in information technology, online banking can be said that in terms of use has become more and more universal, it can be said that a large part of the financial intermediation in life can be carried out through the Internet bank. The need to recognize that the advent of online banking has brought many conveniences to our lives, but in the same vein, it can be said that the virtuality of online banking also gives more opportunities for security risks and can be said to further increase the security of the use of funds Hidden trouble. Therefore, for the supervision of internet banking, it can be said that it will inevitably be put on the agenda. The form of law, as a normative instrument of state effectiveness, represents the will of the state and its necessary necessity as a carrier of the legal supervision of online banking. It is important to recognize that there is already considerable legal regulation of virtual finance itself at this stage, but law updates are still slightly slower than the ever-evolving state of the art, with some areas for improvement. Therefore, it is also necessary to make a simple analysis of the legal system of online banking supervision.