INTERNET BANKING, DIGITAL SECURITIES AND ONLINE INSURANCE IN CHINA


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The article notes that at present, China is the undoubted global center for global innovation and the introduction of fintech. Currently, there are two Internet banks in China: Webank, created by Tencent, the largest Chinese SNS company, and Mybank, created by Alibaba, the largest e-commerce company in China. These two banks own an aggregate share of 92% of electronic transactions in the Chinese market, which includes 1.4 billion people. The rapid spread of mobile payments in China was promoted by: 1) the lack of a history of using credit cards and 2) the very centralized nature of the e-commerce market in China. In 2019, according to economists, the volume of online banking transactions should be a record amount of 4,622 quadrillion yuan. However, the explosive growth of Chinese FINTECH technology occurred in a regulatory void.

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作者简介

Elena Ermakova

RUDN University Law Institute

Email: ermakovaep@mail.ru
PhD in Law, associate professor, associate professor of Civil Procedural Law of Department of Civil Law and Civil Procedure and Private International Law

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