互联网改变了金融服务的供给方式,但没有消除金融固有的风险,仍需遵循线上与线下统一的监管标准,网上金融业务不具有风险上的特殊监管待遇。随着互联网技术和电子商务的普及,商业银行服务网络化、电子化程度也不断提高,创新活跃程度也持续提升。从外部环境看,一是电子商务的高速发展对互联网渠道的金融服务提出刚性需求。实体经济的贸易交易和商品零售快速从线下场所向网上转移,传统的金融服务手段不能满足网上远程虚拟资金交易的需求。二是互联网人口的快速增加深刻转变了客户使用金融服务的习 The Internet has changed the mode of supply of financial services, but has not eliminated the inherent risks of finance. Therefore, the online and offline unified regulatory standards still need to be followed. The online financial business does not have the special supervisory treatment of risk. With the popularization of internet technology and e-commerce, the commercialization of commercial banks has been increasingly electronicized and the level of innovation and activity continuously improved. From the external environment, first, the rapid development of e-commerce put forward rigid demands on the financial services of the Internet channels. The real economy trade transactions and retail sales of goods quickly from the offline place to the online transfer, the traditional means of financial services can not meet the online remote virtual funds transaction needs. Second, the rapid increase of the Internet population has profoundly changed the habit of customers using financial services