摘要
文章就网络银行的基本法律问题进行初步的探讨。作者认为,网络银行的本质是一种新型的金融机构,是指主要通过计算机Internet网络(或类似的电子方式)开展银行业务的银行。它与传统的实体银行的最大不同就在于前者主要是通过Internet网开展银行业务,具有一定的虚拟特征。网络银行的特点,使它在市场准入和风险管理方面具有与传统银行不同的要求。此外,论证了网络银行在对客户权益的保障中承担的义务,特别阐述了对客户隐私权的保护和对客户造成损失时的严格责任原则。
The network bank have to offer the corresponding financial service ability.With the development of E-business the emerging of the network bank also bring new subject to the bank and challenged to the traditional law.This text discussed the basic law of network bank preliminary.The author thinks that the network bank is one kind of newtype financial institutions in essence.It means that the network bank develops work mainly through Internet or the electronic way.Its evident characteristics is fictitious.The characteristics of the network bank makes it has a request different from the traditional bank in the market enters accurately and risk management.Moreover,the author also studied the obligation that the network bank have to bear in ensuring the customer's right,especially elaborated the protection to the right of the customer’s secret and the strict responsibility principle as the customer's interest sustain losses.
出处
《河南社会科学》
2001年第4期157-158,共2页
Henan Social Sciences
关键词
网络银行
法律问题
金融
network bank
law problems
finance
