关于中小银行应对互联网存款监管的相关思考

Relevant Thinking on the Supervision of Internet Deposits Due to Small and Medium Banks

近年来,随着金融科技的不断创新及商业银行竞争的日趋激烈,互联网存款规模迅速扩张,在丰富银行负债渠道的同时,也在一定程度上扰乱了市场秩序,加速了金融风险的积累。2021年初,银保监会、人民银行联合发布《关于规范商业银行通过互联网开展个人存款业务有关事项的通知》(以下简称“通知”),规范了商业银行非自营互联网平台存款业务,为互联网银行及部分中小银行带来了新的挑战。本文分析了我国互联网存款发展情况、产生的主要问题及对中小银行产生的影响,最后提出相关政策建议。

In recent years,with the continuous innovation of financial technology and the increasingly fierce competition of commercial banks,the scale of Internet deposits has expanded rapidly.While enriching bank debt channels,it has also disrupted the market order to a certain extent and accelerated the accumulation of fi nancial risks.At the beginning of 2021,the China Banking and Insurance Regulatory Commission and the People’s Bank of China jointly issued the"Notice on Regulating Commercial Banks to Carry Out Personal Deposit Business through the Internet"(hereinafter referred to as the"Notice"),which regulates the deposit business of commercial banks on non-self-operating Internet platforms,and provides for Some small and medium banks have brought new challenges.This article analyzes the development of China's Internet deposits,the main problems and the impact on small and medium banks,and fi nally puts forward relevant policy recommendations.