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建议制定具有最高法律效力的《网络银行法》,作为规范网络银行领域各项活动的根本性法律和对网络银行进行监管的基本法律依据。近几年,我国不断发生假冒银行网站、传播病毒窃取客户银行账户和密码等犯罪案件,严重侵害了金融消费者权益,极大地危及着网络银行的安全。我国现有的网络银行监管法律制度面临巨大的挑战,迫切需要完善。
It is suggested that the “Internet Banking Law” with the highest legal effect be established as a fundamental legal basis for regulating various activities in the field of online banking and as a basic legal basis for regulating online banking. In recent years, criminal websites such as counterfeit bank websites and virus theft of customer’s bank accounts and passwords have been constantly reported in our country, which have infringed upon the rights and interests of financial consumers and greatly endangered the security of Internet banking. The existing legal system of Internet banking supervision in our country faces enormous challenges and needs urgent improvement.