互联网技术极大地促进了资管行业渠道升级,不过其作为新兴事物快速发展的同时呈现出诸多问题。本文对互联网资管行业发展现状进行梳理,并从监管上建议树立底线思维、沙箱思维、共创思维的监管理念。“受人之托、代人理财”是资产管理的核心,在过去10年中,中国资产管理行业经历了快速的发展。截至2015年底,包括银行理财、信托、保险资管、券商资管、公募基金、基金子公司、私募基金等在内的泛资产管理市场管理资 Internet technology has greatly promoted the upgrading of the asset management industry. However, as the rapid development of new things, it presents many problems. This article sorts out the status quo of the development of the Internet industry, and proposes the regulatory concept of bottom line thinking, sandboxing and thinking creation from the perspective of regulation. “Managed by the people, on behalf of the people ” is the asset management core, in the past 10 years, China’s asset management industry has experienced rapid development. As of the end of 2015, the general asset management market including bank financing, trust, insurance asset management, brokerage management, public offering funds, fund subsidiaries and private equity funds