⊙记者 黄蕾 ○编辑 枫林

⊙ reporter HuangLei ○ editing bush

　　随着新一代消费群体消费习惯的日趋改变，金融业网销时代将势不可挡。然而，这一新型销售模式的诞生，也引来市场诸多质疑与担忧。

As a new generation of consumer groups consumption habits change with each passing day,The financial industry network pin era will be unstoppable.however,The new sales mode was born,Drew a market many question and worry.

　　是否所有的金融企业都适合拓展网络销售？是否所有的金融产品都适合线上销售？一旦线上规模爆炸式放量，线下后续服务能否跟上？动辄上千上万的资金安全性，又如何能保证万无一失？

Are all the financial enterprise are suitable for expanding sales network?Are all financial products are suitable for online sales?Once online scale explosive measures,Offline follow-up service will be able to keep?Frequently thousands of thousands of capital safety,How can it ensure that no risk at all?

　　这些都需要完善的配套制度所保障。但从记者了解来看，目前包括保险、银行等金融行业，在互联网金融业务上都存在监管空白。

All these need perfect supporting system security.But from the reporter understands to see,Currently include insurance/Banks and other financial industry,In the Internet financial business in supervision blank.

　　不过，监管部门已经意识到了金融网销时代必须“有法可依”的迫切性。如，目前保监会就专门成立了一个专项小组推进此事，《互联网保险业务监管规定》有望于今年揭开面纱。

but,Regulators have been aware of the financial network pin age must"work"The urgency of.if,At present the China insurance regulatory commission will set up a special team advance it,[The Internet insurance regulations]Is expected to be unveiled in this year.

　　种种迹象表明，近年来，保监会力挺保险公司在网销这一新型销售模式上的探索。因为，这将扭转保险业的销售模式由被动转向主动，在一定程度上将降低困扰已久的保险销售误导。

Indications that,In recent years,The China insurance regulatory commission force is the insurance company in the nets pin this new sales mode of exploration.because,This will turn insurance sales mode from passive to active,In a certain degree will reduce trouble already a long time of insurance sales misleading.

　　随着金融网销时代的崛起，将不断对金融业的监管方式与手段提出新的挑战。网络金融的变革日新月异，令金融业务的各项操作和管理将面临全面升级，对它的监管体系都需要进行全方位的无缝对接。

With the rise of the age of financial network pin,Will continue to the financial industry regulatory way and the method presents new challenges.The network financial change change with each passing day,Make financial business operation and management will be faced with the overall upgrade,To its regulatory system need to carry on the omni-directional seamless docking.

　　业内人士认为，从海外市场经验来看，互联网金融要想不断获得突破，不仅需要解决技术、人才方面的问题，也取决于相关的法律环境和监管制度。

The personage inside course of study thinks,From the overseas market experience,The Internet financial want to constantly to obtain a breakthrough,Not only need to solve the technology/Personnel issues,Also depends on the related legal environment and supervision system.