互联网银行监管研究

Research on Internet Banking Supervision

互联网银行作为一种新型银行模式,其发展受到了世界各国的广泛关注,探究其监管措施具有重要的理论价值和现实意义。本文分析了互联网银行监管的必要性和挑战,从市场准入、业务范围、反洗钱规定、银行风险管理和消费者保护等角度研究世界各国互联网银行的具体监管措施。在此基础上,本文对比分析了国内外互联网银行监管的异同,并对我国互联网银行的监管提出建议。

Internet banking,as a representative of the new banking model,has attracted wide attention from all over the world.Its regulatory measures have important theoretical and practical significance.This paper analyzes the necessity and challenge of Internet banking supervision,and studies the specific supervision measures of Internet banking from the perspective of market access,business scope,anti-money laundering regulations,bank risk management and consumer protection.On this basis,this paper compares the similarities and differences between Internet banking supervision at home and abroad,and puts forward some policy suggestions for the supervision of Internet banking in China.