近年来,随着互联网金融发展愈演愈烈,商业银行也纷纷开始布局自身的互联网金融业务,希冀通过多年积聚的客户、渠道、资源优势,分享新型业态红利中的一杯羹。网上商城业务是商业银行进军互联网金融领域一种重要的业务模式。本文通过对商业银行网上商城业务的业务实践,重点探讨其可能涉及的法律风险,并对风险防范提出相关的对策建议。 In recent years, as the development of internet finance intensified, commercial banks also began to lay out their own internet finance businesses in the hope of sharing a share of the new format dividends through years of accumulated customers, channels and resources. Online mall business is an important business model for commercial banks to enter the field of Internet finance. This article focuses on the possible legal risks involved in the online banking business of commercial banks and puts forward relevant countermeasures and suggestions on the prevention of risks.