Research on Legal Regulation of Standard Clauses of Online Banks

doi:10.13766/j.bhsk.1008-2204.2015.0253

Abstract

Abstract:

The use of online banking has become increasingly popular among modern young people, but whether the electronic standard clauses of online banks is legal and reasonable fails to catch enough attention. Research on this subject is helpful to identify and prevent overlord clauses. Taking 9 domestic online banks as an example, this paper uses content analysis method to collect, analyze and classify the customer service agreements, and extracts overlord clauses on the basis of Contract Law and Consumer Protection Law. Then 3 foreign banks' online service agreements were read and compared to identify the clauses that can be used for reference to our domestic banking industry. On this basis, through analyzing the legislation and regulation of standard clausesin international laws, legal regulation measures were put forward in terms of content, legal entities, evaluation subject and management time.

Key words: online banks, customer service agreements, content analysis, standard clauses, legal regulation

CLC Number:

D922.281
F83

LIANG Liang, XU Tingting. Research on Legal Regulation of Standard Clauses of Online Banks[J]. JOURNAL OF BEIJING UNIVERSITY OF AERONAUTICS AND A, 2017, 30(5): 52-58.

References

[1] 谈李荣. 契约多重下银行与客户利益格局的法律研究[M]. 北京:法律出版社, 2008:103.
[2] LEE M C. Factors influencing the adoption of internet banking:An integration of TAM and TPB with perceived risk and perceived benefit[J]. Electronic Commerce Research and Applications, 2009, 8(3):130-141.
[3] ADEL M A. Online banking:a field study of drivers, development challenges, and expectations[J]. International Journal of Information Management, 2001, 21(3):213-225.
[4] THOMAS J S. Methods of social research[M]. Orlando:Harcourt College Publishers, 2001:296-297.
[5] KASSARJIAN H. Content analysis in consumer research[J]. Journal of Consumer Research, 1977(4):8-18.
[6] 陆林. 旅游地理文献分析[J]. 地理研究. 1997 (2):105-112.
[7] 邱天, 白洁. 浅析网上银行协议的不合理条款[J]. 中国金融电脑. 2005 (1):70-72.
[8] 李猛. 网上银行侵权责任研究[D]. 武汉:华中科技大学,2012.
[9] HUANG M. Legislation of e-commerce:Current situation, issues and improvements[C]//2010 International Conference on E-Business and E-Government,2010.
[10] EL K A, IDBOUFKER N. Specification and verification of security properties of e-contracts[C]//Proceedings 2010 8th International Conference on Communications, 2010.
[11] CHRIS R, IAN W. Cross-border electronic banking:Challenges and opportunities[M].LL P Professional Publishing, 2000:158.
[12] 余素梅. 论网上银行交易中消费者权益的特别法律保护——以欧盟与美国的相关法律实践为视角[J]. 西部法学评论, 2008 (4):135-140.
[13] 戴恩·罗兰德, 伊丽莎白·麦克唐纳. 信息技术法[M]. 2版.宋连斌, 林一飞, 吕国民,译. 武汉:武汉大学出版社, 2004:146.
[14] HANS-W M, JULES S, EVELYNE T. General editors:Cases, materials and text on consumer law[M].Hart Publishing, 2010:290.
[15] 苏号朋. 格式合同条款研究[M]. 北京:中国人民大学出版社, 2004:305.
[16] EVERETT D C. The legal regulation of e-commerce transactions[J]. Cambridge:Journal of American Academy of Business. 2003, 2(2):404.
[17] 曲睿涵. 消费合同中格式条款的规制研究——基于对"霸王条款"案例的实证分析[D]. 南京:南京大学,2011.
[18] 迪特尔·施瓦布.民法导论[M]. 郑冲,译.北京:法律出版社,2006:582.