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  本文關(guān)鍵詞：網(wǎng)上銀行業(yè)務(wù)安全法律保障機(jī)制研究　出處：《武漢大學(xué)》2005年博士論文　論文類型：學(xué)位論文

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【摘要】：伴隨著網(wǎng)上銀行業(yè)務(wù)的興起與迅猛發(fā)展,各種安全問題日益暴露和凸顯出來,儼然成為當(dāng)前制約網(wǎng)上銀行業(yè)務(wù)進(jìn)一步推進(jìn)的重大瓶頸。對于這些現(xiàn)實中存在的網(wǎng)上銀行業(yè)務(wù)安全隱患,國際社會傳統(tǒng)的法律規(guī)范體系顯然已經(jīng)無法有效應(yīng)對和處理。因而,分析網(wǎng)上銀行業(yè)務(wù)安全問題的深層內(nèi)涵與實質(zhì),研究其特殊表現(xiàn)與不同誘因,探討如何針對其特殊性構(gòu)建和完善更為有力的網(wǎng)上銀行業(yè)務(wù)安全法律保障機(jī)制極具現(xiàn)實意義。有鑒于此,本文在金融法學(xué)與國際金融法學(xué)理論的基礎(chǔ)上,綜合運(yùn)用規(guī)范分析、實證分析、比較分析等研究方法,對網(wǎng)上銀行業(yè)務(wù)安全及其法律保障問題展開了系統(tǒng)性研究。 全文除引言部分外,共分五章。 第一章為網(wǎng)上銀行業(yè)務(wù)及其安全問題概說。該章首先界定和歸納了網(wǎng)上銀行業(yè)務(wù)的基本概念與主要特點,而后以網(wǎng)上銀行業(yè)務(wù)活動中實際存在的安全問題為根據(jù),從理論上概括了“網(wǎng)上銀行業(yè)務(wù)安全”的三層應(yīng)有涵義,即計算機(jī)系統(tǒng)與信息安全、交易安全以及網(wǎng)上銀行機(jī)構(gòu)及整個行業(yè)體系安全等,并對網(wǎng)上銀行業(yè)務(wù)安全問題的根源、實質(zhì)及解決途徑進(jìn)行了初步探討;在此基礎(chǔ)上,筆者又對當(dāng)前國際社會關(guān)于網(wǎng)上銀行業(yè)務(wù)安全保障的立法實踐予以概括介紹,提出了關(guān)于構(gòu)建網(wǎng)上銀行業(yè)務(wù)安全法律保障機(jī)制的總體設(shè)想,指出該機(jī)制應(yīng)由系統(tǒng)與信息安全保障機(jī)制,網(wǎng)上銀行交易安全保障機(jī)制,以及網(wǎng)上銀行機(jī)構(gòu)及其行業(yè)安全保障機(jī)制等三大部分構(gòu)成。本章不僅提出了問題,而且初步提示了解決問題的總體方案,從而為后文的深入分析確定了總綱和奠定了基礎(chǔ)。 第二章至第四章正是以第一章的初步分析為依據(jù),分別從系統(tǒng)與信息安全保障、交易安全保障和銀行機(jī)構(gòu)及行業(yè)安全保障等三個方面對國際社會網(wǎng)上銀行業(yè)務(wù)安全法律保障機(jī)制展開深入實證研究和考察的,這三章內(nèi)容構(gòu)成全文分析和論證問題的主體部分。 其中,第二章為網(wǎng)上銀行業(yè)務(wù)系統(tǒng)與信息安全法律保障機(jī)制研究。該章從網(wǎng)上銀行業(yè)務(wù)安全的第一層涵義出發(fā),分析了威脅網(wǎng)上銀行業(yè)務(wù)系統(tǒng)與信息安全的主要風(fēng)險因素,論證了實施法律介入的必要性,進(jìn)而較為詳盡地考察和探討了目前國際社會已確立的關(guān)于網(wǎng)上銀行業(yè)務(wù)系統(tǒng)與信息安全保障的主要政策法律機(jī)制。這些機(jī)制主要涉及如下四個方面:一是確保計算機(jī)信息系統(tǒng)與網(wǎng)絡(luò)整體安全的國際與國內(nèi)政策法律保障機(jī)制;二是保證諸如加密、電子簽名等重要安全技術(shù)手段充分發(fā)揮其保安功能的國際與國內(nèi)法律規(guī)范;三是促使網(wǎng)上銀行業(yè)務(wù)系統(tǒng)與信息達(dá)到其行業(yè)所要求的特定安全水平的行業(yè)自律機(jī)制;四是要
[Abstract]:With the rise and rapid development of Internet banking, all kinds of security problems increasingly exposed and prominent, has become a major bottleneck restricting the further advance of online banking business. For the safety of Internet banking risks exist in the reality of the legal system of traditional international society has apparently unable to effectively respond to and deal with. Therefore, deep the connotation and essence of the security problems of Internet banking, to study its special performance with different causes, to explore how to construct and perfect the particularity of the more powerful very safety of Internet banking legal protection mechanism of practical significance. In view of this, based on the financial law and international financial law theory, the integrated use of normative analysis, empirical analysis analysis, comparative analysis and other research methods, on the safety of Internet banking and legal protection issues of systemic research The.
In addition to the introduction, the full text is divided into five chapters.
The first chapter is the introduction of the safety problems of Internet banking. And the main characteristics of the chapter defines and summarizes the basic concepts of online banking, online banking and security issues in business activities in the actual as the basis, outlines the theory of "online banking security" three layers should have meaning, namely computer system and information security, transaction security and Internet banking institutions and the industry safety system, and the root of the Internet banking security problems, essence and solutions are discussed; on this basis, the author briefly introduces about the safety of Internet banking legislation practices in the international society, and put forward the general idea about building the safety of Internet banking legal safeguard mechanism, pointed out that the guarantee system of the mechanism by the system and information security, Internet banking transaction security. Avoidance mechanism, as well as online banking institutions and the industry security mechanism consists of three parts. This chapter not only raises problems, but also indicates the general solution to solve the problem, in-depth analysis for the later to determine the general programme and laid the foundation.
The second chapter to the fourth chapter is based on the preliminary analysis of the first chapter as the basis, separately from the system and information security, the three aspects of transaction security and banking institutions and industry security to the international community the safety of Internet banking legal safeguard mechanism in-depth empirical research and investigation, these three chapters constitute the main content of this paper and that part of the problem.
Among them, the second chapter studies the legal safeguard mechanism of Internet banking systems and information security. This chapter from the first meaning of the safety of Internet banking, analyzes the main risks of online banking system and information security factors, demonstrates the necessity of legal interference, and then exhaustively examines and discusses the main policy on the Internet banking system and information security legal system established in the international society at present. The mechanism mainly involves four aspects as follows: one is to ensure the overall safety of computer information system and network of international and domestic policy and legal safeguard mechanism; two is to ensure that such as encryption, electronic signature and other important means of security technology and give full play to its security the function of international and domestic laws and regulations; three is to promote the system of Internet banking and information industry reached its desired specific. The whole level of the self-discipline mechanism of the industry; four is to

【學(xué)位授予單位】：武漢大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2005
【分類號】：D912.28;D913

【引證文獻(xiàn)】

相關(guān)期刊論文 前1條

1 楊曉曄;;我國網(wǎng)上銀行潛在的問題及對策建議[J];產(chǎn)業(yè)與科技論壇;2008年06期

相關(guān)碩士學(xué)位論文 前10條

1 王梅;我國網(wǎng)絡(luò)銀行監(jiān)管法律制度研究[D];中國海洋大學(xué);2011年

2 聶煬李;網(wǎng)絡(luò)銀行交易安全法律問題研究[D];湘潭大學(xué);2011年

3 王瑤;銀行卡欺詐風(fēng)險防控機(jī)制法律研究[D];廣西大學(xué);2011年

4 張力;基于客戶分析的中行網(wǎng)上銀行營銷策略研究[D];湖南大學(xué);2010年

5 靳鳳鳴;論我國網(wǎng)上銀行的發(fā)展[D];對外經(jīng)濟(jì)貿(mào)易大學(xué);2007年

6 許廉菲;我國網(wǎng)絡(luò)銀行監(jiān)管法律制度研究[D];西南財經(jīng)大學(xué);2008年

7 黎焱卿;基于產(chǎn)業(yè)鏈的中國網(wǎng)上銀行結(jié)構(gòu)及主體行為研究[D];合肥工業(yè)大學(xué);2010年

8 常玲玲;論對我國金融消費者的法律保護(hù)[D];安徽大學(xué);2012年

9 雷夢;我國網(wǎng)上銀行法律監(jiān)管之研究[D];江西財經(jīng)大學(xué);2013年

10 張蓓蓓;網(wǎng)絡(luò)銀行業(yè)務(wù)監(jiān)管法律制度研究[D];鄭州大學(xué);2013年

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本文編號：1403717