自2014年以来,国内商业银行开始布局直销银行。基于当前中国直销银行的发展情况及国家强化互联网金融风险治理的现实,本文认为,只有做好技术层、合规层、业务层、战略层四个层次的风险防控,才能推动中国互联网银行行稳致远。 Since 2014, domestic commercial banks have started to set up direct sales banks. Based on the current development of China’s direct banks and the reality that the state strengthens the governance of Internet financial risks, this paper argues that only by properly implementing risk prevention and control at the four levels of technology, compliance, business and strategy, can China Internet Banking Steady and far.