商业银行互联网金融发展与监管思考

Reflect on development and supervision of commercial banks' Internet finance

互联网正直接推动金融业发生深刻变革,移动金融、线上融资、电商平台等蓬勃发展,不断建构商业银行业务经营新模式。通过大数据的分析与挖掘,使得个性化定制成为可能,这将有助于实现商业银行规模效益,并促进金融开放程度不断提升。但互联网金融衍生出全新的风险形态,对商业银行安全运营带来挑战。互联网环境下的监管须顺应时代,健全涉及互联网金融的法律法规和监管框架,加强监督检查,指导商业银行规范发展。

Internet is directly promoting the profound changes in the financial industry, the booming development of mobile banking, online financing and e-business platform is constantly building a new operating model of commercial banks. Through Big data analysis and mining, it is possible to personalize customization, which is helpful to realize the scale benefit of commercial banks and promote the continuous improvement of financial openness. But the new risk form,derived from the Internet finance,poses a challenge on security operations of commercial banks. The supervision in the Internet environment should comply with the times, perfect the laws and regulations and the supervisory framework relating to Internet finance, strengthen supervision and inspection, and guide the development of commercial banks.