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本文分析了我国互联网银行的发展现状,探讨了我国互联网银行风险监管策略,提出在我国对互联网银行风险监管还十分薄弱的情况下,应坚持完善法规为先、审慎监管为本、调整方式为重、构建网络为主的思路,以期推动我国互联网银行风险监管实践。近年来,随着我国经济的快速发展,传统银行营业方式由于受各种因素的限制,远远不能满足广大用户的消费需求,加之网络技术的持续发展和普及,以互联网银行为代表的电子商务活动开始被广泛应用,拓展互联网银行业务是现代银行业发展的必然趋势。基于此,对互联网银行的特点、目前的现状、存在的问题及发展趋势等方面进行探讨,进而提出一些有利于我国互联网银行发展的建议,以期推动我国金融产业的健康、快速发展。互联网和金融的配合使用为社会未来经济发展带来新机遇,能将数据、金融、社交等相关企业结合成新时代企业典范。这个时代就是互联网金融带给人类的巨大机遇和挑战,互联网金融时代的来临已经不可阻挡。互联网金融涉及的项目,包括三方支付、在线理财产品的销售、信用评价审核、金融中介、金融电子商务等模式。
This article analyzes the current situation of internet banking in our country, probes into the internet banking risk supervision tactics in our country, and puts forward that under the condition that the internet banking risk supervision in our country is still very weak, we should insist on perfecting laws and regulations, prudential supervision and adjusting methods , Build the network-based ideas, with a view to promoting China’s Internet banking risk regulatory practice. In recent years, with the rapid economic development in our country, due to the restrictions of various factors, the traditional banking business can not meet the consumer demand of consumers. In addition, the continuous development and popularization of network technology, the e-commerce represented by internet banking Activities began to be widely used to expand the Internet banking business is the inevitable trend of the development of modern banking. Based on this, this paper discusses the characteristics of the Internet banking, current status quo, existing problems and development trends, and then puts forward some proposals that are conducive to the development of China’s Internet banking in order to promote the healthy and rapid development of China’s financial industry. The combined use of the Internet and finance will bring new opportunities for the future economic development of the society and will enable enterprises related to data, finance and social issues to be integrated into a new era of business model. This era is a great opportunity and challenge that the Internet finance brings to mankind. The advent of the Internet finance era is irresistible. Projects related to Internet finance include three-way payment, sales of online wealth management products, credit rating review, financial intermediation and financial e-commerce.