中国银行业发展互联网金融业务探析

On the Development of Internet Finance Business in Chinese Banking Industry

互联网金融的强大生命力和竞争力决定着银行业也必须发展互联网金融业务.现对中国银行业发展互联网金融业务的背景、优势与制约因素进行了分析,并对存在的问题提出了从国家战略高度认识银行业发展互联网金融的重要性;深化金融供给侧改革以拓展银行业发展互联网金融服务领域;银行业应勇于创新以发挥对未来互联网金融发展的引领作用等发展对策,以促进银行业互联网金融业务的发展.

The strong vitality and competitiveness in internet finance business determines that Chinese banking industry has to develop internet finance business. Chinese banking industry has many advantages in developing internet finance business such as abundance in capital, adequate infrastructure, and strong brand influence, etc. However, there are still some constraints like inadequate innovation, insufficient attention, poor quality of services and so on. Therefore, it needs to know about internet finance business, deepen finance supply-side reform, strengthen internet finance innovation from the perspective of national strategic height to promote the development of internet finance business in Chinese banking industry.