Research on Legal Regulation of Standard Clauses of Online Banks

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.