我国互联网银行发展现状与监管研究

Abstract:The change of macro environment has led to the increasingly fierce competition in the banking industry， and commercial banks have upgraded their own requirements at the same time.Under these two kinds of driving， the banking industry has opened up deep integration with the Internet.Internet banking came into being， as an innovative financial business model.From the current situation of the development of Internet banking in China， although there are many risk problems in the Internet banking business model， but the Internet banking is a useful financial model innovation， for reducing the financial threshold， service “small micro” to enhance financial transactions efficiency， effective support and promote the “public entrepreneurship， innovation”.In view of this， it is necessary to explore the construction and improvement of the Internet banking regulatory frameworkon the basis of sorting out the Internet bank risk in-depth.Only in this way， the Internet bank can play the important role of “Service small， support the real economy”.

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