我国互联网银行风险与监管研究

A Research on the Risk and Regulation of Internet Bankin China

在宏观环境变化导致银行业竞争日趋激烈与商业银行自身升级转型要求的双重驱动下,银行业与互联网开启了深层次的融合,互联网银行作为一种创新型的金融经营模式应运而生。从目前发展状况来看,虽然互联网银行经营模式存在诸多风险,但这种创新金融模式确实对于降低金融门槛、服务"小微"、提升金融交易效率、有效支持和推动"大众创业、万众创新"大有裨益。鉴于此,有必要在梳理互联网银行风险的基础上,深入探索构建和完善互联网银行监管框架,进一步发挥其"服务小微、支持实体经济"的重要作用。

With the fierce competition andtheneedof transformation,bank industry begins to focuson and apply internet technologies deeply.Although there are some potential risks lie in the business model,but internet bank is indeed an advantageous financial innovation,and helpful to promoting financial inclusion,improving financial efficiency,supporting the strategy of Mass Entrepreneurship and Innovation.In view of this,it is necessary to analyze the potential risks in internet bank business model and start an exploration on how to build and improve the regulation framework of internet bank industry.