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在这个变革的时代里,现代商业银行已经呈现出银行业务网络化的发展趋势。伴随着市场经济不断发展,互联网银行业的信用风险凸显,出现了银行传统风险新特征和互联网银行新特征。究其原因是逆向选择和道德风险所造成。众所周知,互联网银行对外开放程度高、风险危害程度高,所以我国十分迫切需要从建立信用法律体系、建立信用评级系统和提高数据安全等方面建立的信用体系,以保障互联网银行业的健康发展。
In this era of change, modern commercial banks have shown the development trend of banking network. Along with the continuous development of market economy, the credit risk of internet banking is prominent, new features of traditional risks of banks and new characteristics of internet banking appear. The reason is the adverse selection and moral hazard caused. As we all know, Internet banking has a high degree of opening to the outside world and a high degree of risk endangerment. Therefore, China urgently needs a credit system established in establishing credit legal system, establishing credit rating system and improving data security so as to ensure the healthy development of Internet banking.