According to Rees Skinner (2015), the Internet bank is an Internet banking service that provides online services to customers by using modern computer technology.
根据里斯•斯金纳（2015）的观点：互联网银行（Internet bank or E-bank）是指借助现代数字通信、互联网、移动通信及物联网技术，通过云计算、大数据等方式在线实现为客户提供存款、贷款、支付、结算、汇转、电子票证、电子信用、账户管理、货币互换、P2P金融、投资理财、金融信息等全方位无缝、快捷、安全和高效的互联网银行服务机构。

Through the marriage of Internet companies can quickly and flexibly leverage their big data, AI and cloud computing, as well as affecting bank acquisition, risk identification, operations and capital costs.
随着经济新常态与供给侧结构性改革的不断深入，创新成为银行业发展的根本出路。而通过联姻互联网公司可以快速灵活地借助其大数据、人工智能、云计算的优势，并影响银行获客、风险识别、运营与资金成本等。

The development strategy of MYbank: Serving small customers, the rural market and various types of small and medium financial institutions.
浙江网商银行是中国首批试点的民营银行，作为互联网银行的代表企业之一，目前网商银行的发展战略是：服务小微客户，服务农村市场，服务各类中小金融机构。

Internet bank not only has traditional financial risks, but also faces a series of unique risks. To sum up, at this stage, we must focus on preventing risks in several aspects.
互联网银行既存在传统金融风险，还面临一系列独特风险。站在互联网银行的角度，归纳起来，现阶段须重点防范几个方面的风险。