摘要
近些年来,香港不断推出新的电子银行监管规则,这些规则广泛涉及虚拟银行的许可、对离岸网上银行的法律约束、外包活动与风险的管控以及电子银行持续监管等多个方面,不仅为电子银行业务活动在香港地区的开展提供了必要的法律框架和操作指南,还对进一步健全和完善我国内地电子银行监管规则具有重大的启示:对于当前尚未涉及的重大电子银行监管问题(如虚拟银行许可、外包风险管理及客户隐私权保护等)应尽快出台具体而明确的规则;对于现有规则中过于笼统的程序规定和实质要求,应在充分征求市场意见的前提下适时制定更具操作性的行业规程与实施细则;对于巴塞尔委员会关于跨境电子银行业务风险监管的经验总结,应及时学习和借鉴。
In recent years, a series of new supervisory rules have been issues by Hong Kong Monetary Authority. These rules cover many areas, such as the license of virtual banks, the legal regulation of off-shore internet bank, the management of risks of outsourcing, as well as the ongoing and overall supervision over electronic banking. They not only provide the necessary legal framework and operational guidelines for regulating electronic banking activities in Hong Kong, but also offer important experience on how to further improve the relevant supervisory laws in the Mainland of China.
出处
《环球法律评论》
北大核心
2006年第2期218-225,共8页
Global Law Review
