我国互联网金融的起步较晚，监管还不够完善，互联网金融产品的协同发展更是处于无先例可循、探索发展的 状态。在这种情况下，要及时发现协同发展带来的风险并进行防范。本文以综合型金融机构复合型产品开发销售的多层次供 给为背景，从互联网金融产品的协同发展着手，借鉴国内外的创新模式，为我国互联网金融产品的协同发展提供有益的借鉴； 同时注重发现互联网金融产品的协同发展过程中出现的问题和潜在的风险，并提出解决的办法和预防措施。

Our country’s Internet finance started lately, the regulation is not perfect enough, synergetic development of financial products of Internet is also unprecedented. In this case, we should find the risks and take precautions. Taking the multi-level supply of the compound product development and sales in comprehensive financial institutions as the background, this paper studies on the collaborative development of Internet banking products, draws lessons from domestic and foreign innovation mode, to provide the beneficial reference to the coordinated development of Internet financial products in our country; at the same time, it pays attention to find the problems and potential risks in the collaborative development process of Internet banking products, and puts forward the solutions and preventive measures.