English translation of abstracts of college graduation thesis

Online banking is the latest service mode in the field of e-commerce. With the rapid development of information technology, the banking industry in the traditional sense will be one-sided. A new type of online banking provides customers with convenient and efficient services by using Internet technology. This makes it a world trend, but also has a huge impact and challenge on the traditional legal system.

Because of the virtuality and rapidity of the network itself, online banks will encounter special risks that traditional banks do not have in their operation. The existence of these risks has an adverse impact on the development of online banking market and China's financial industry, which fundamentally restricts the long-term development of online banks. Therefore, how to prevent online risks and supervise online banks has become an important research topic at home and abroad. In view of the current situation of China's economic development and relevant foreign experience, proper legal supervision of online banking is conducive to the formation of a relatively fair competitive environment and better response to international challenges. This paper attempts to discuss the problems of respecting the supervision mode, legislation mode and imputation principle of online banking and put forward some humble opinions.

Keywords: attribution discipline and self-regulation mode