互联网金融对商业银行业务的影响及对策研究

Research on the Impact of Internet Finance on Commercial Banking Business and Countermeasures

互联网金融的迅速普及给传统商业银行带来了巨大的影响。商业银行应抓住新机遇,与时俱进、发挥自身优势,以应对互联网金融发展的冲击,谋求自身的持续健康发展。因此,分析互联网金融的发展现状及互联网金融对我国商业银行业务产生的影响,并对商业银行的发展提出建议与对策,具有重要的现实意义。

The rapid popularization of Internet finance has brought great influence on traditional commer-cial banks.Commercial banks should seize the new opportunities,keep pace with the times,and give full play to their own advantages to cope with the impact of the development of Internet finance,and seek their own sustainable and healthy development.Therefore,it is of great practical significance to analyze the de-velopment status of Internet finance and the impact of Internet finance on the commercial banking busi-ness in China,and to propose suggestions and countermeasures for the development of commercial banks.