互联网金融与商业银行的共生融合

The Symbiotic Integration of Internet Banking and Commercial Banks in China under the Economic Law

互联网金融的出现是网络信息技术发展后商业银行部分功能演化的结果,是社会经济发展的产物。互联网金融与商业银行具有先天的共生融合关系,且属于互惠共生和连续共生模式。要彻底实现互联网金融与商业银行超越竞争之上的、具有广泛意义的互利互惠特征的共生融合关系,需要法治的优化设计。政府应在经济法治框架下优先构建我国具有绝对公信力的信用信息体系,尽快确立我国个人信息保护制度,为大数据时代信息的搜集、处理、使用、保护打下制度基础。更为重要的是要尽快确立互联网金融的监管框架,以促进互联网金融与商业银行的共生融合。

The rise of Internet banking is the outcome of the evolution of part of the function of commercial banks, as well as the product of social and economic development. With the help of network information technology, it has expanded the resource allo- cation of commercial banks, enhanced the efficiency of financial services, but also promoted the development of the real econo- my. Therefore, Internet banking and commercial banks have a symbiotic relationship of mutual benefit and continuous symbiosis. But the full realization the relationship with universally mutually beneficial characteristics calls for the rule of law. The govern- ment should give priority to the construction of credit information system with absolute credibility under the framework of econom- ic law, and establish the personal information protection system to lay the system foundation for information collection, process- ing, use, protection of the big data era. More importantly, a regulatory framework for Internet banking should be established as soon as possible to promote the integration of Internet banking and commercial banks.