网络银行以互联网为链接开展银行业务的新兴平台,中国作为快速发展的大国毫无例外的开展了网络银行,但是目前法律对网络银行的调整显示出明显的漏洞,特别表现在法律体系不完善、监管的模式和方式落后以及在银行用户保护方面的欠缺问题。针对我国网络银行法律监管中的缺陷,从法律体系的统一、监管模式和方式的优化、客户权利的保护以及加强国外交流等方面解决我国目前的突出问题。 Internet banking as an emerging platform for banking business with the Internet as the link. China, as a rapidly developing big country, has launched an Internet banking without exception. However, the current law shows obvious loopholes in the adjustment of Internet banking, especially in the imperfect legal system, Regulatory models and methods are lagging behind and lacking in bank user protection. Aimed at the defects in the legal supervision of internet banking in our country, the current prominent problems in our country are solved from the aspects of the unification of the legal system, the optimization of the mode and mode of supervision, the protection of client rights and the strengthening of foreign exchange.