一、我国网络银行监管的现状与问题根据巴塞尔银行监管委员会的定义,网络银行就是基于因特或其他电子通讯手段提供各种金融服务的银行机构或虚拟网。从理论上讲,信息不对称的问题通过网络银行这种方式已得了相当的改善,同时,对逆向选择和道德风险的防范也成为可。然而事实并非? I. Status Quo and Problems of Internet Banking Supervision in China According to the definition of Basel Committee on Banking Supervision, internet banking is a banking institution or virtual network providing various financial services based on Internet or other electronic means of communication. In theory, the problem of asymmetric information has been considerably improved by means of online banking, and defense against adverse selection and moral hazard has also become possible. However, the fact is not?