互联网金融对传统商业银行的影响及对策分析

随着互联网技术和大数据的发展，互联网金融应运而生。在市场的刺激下，第三方支付、P2P网贷以及互联网理财等金融业务迅速渗透整个金融业，不仅影响了互联网行业和消费者，更是给传统的商业银行带来了始料未及的影响。在此背景下，研究商业银行如何改变经营策略、调整市场导向、创新产品服务从而应对互联网金融的冲击便具有极大的现实意义。
关键词：互联网金融 商业银行 第三方支付 互联网理财

Title : The influence of Internet finance on traditional commercial Banks
Abstract：With the development of Internet technology and big data, Internet finance also grows rapidly， Under the stimulation of the market, financial services such as third-party payment, P2P online loan and Internet financial management have penetrated into the entire financial industry rapidly, which not only affects the Internet industry and consumers, but also brings unexpected influences to traditional commercial Banks， In this context, it is of great practical significance to study how commercial Banks change their business strategies, adjust their market orientation and innovate their products and services to cope with the impact of Internet finance，
Key words：internet financel; commercial; third-party payment; internet finance

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