摘要本文的目的是分析国内外学者对互联网金融的影响，对互联网金融的发展及对商业银行的影响，简要介绍了互联网、银行业、互联网金融以及行业特征、产业与互联网的融合程度，然后对互联网金融业进行了分析，奠定了互联网对金融行业的分析与比较，分析和比较了中国互联网金融的现状，介绍了不同的国家有不同的经营模式。随着互联网金融的快速发展，在分析和研究其必要性的基础上，明确互联网时代商业银行和互联网金融的竞争，阐述了互联网金融的刺激，主要涉及互联网金融对商业银行的财务状况、经营模式、服务模式、经营理念和收入来源。面对形势面临的挑战，互联网金融对银行改革的推动作用十分强烈，在此基础上，本文针对互联网金融一一的对策和意见给出了对商业银行的冲击，并提出了相关的政策建议，为互联网金融的监管创造了一个和谐稳定的经济环境。关键词：互联网，金融商业银行，影响及对策AbstractThispapermainlyanalyzestheinfluenceoftheInternetFinanceforcommercialbanks,fromreviewingthedomesticandoverseasscholarsviewsonInternetfinancialdevelopmentandontheinfluenceofCommercialBankoftheliterature,brieflyintroducetheInternet,financial,financialandindustrialcharacteristicsoftheInternet,theInternetindustryandthedegreeoffusion,thentoanalyzethecausesofInternetFinancialemergeasthetimesrequire,astheimpactoftheInternetonthefinancialindustryinfluenceandlaythefoundation,analysisandcomparisonofChina,USAInternetfinancialsituation,introducethedifferentcountrieshavedifferentbusinessmodels.IntherapiddevelopmentoftheInternetfinancialexpansionbasis,analyzeandsortouttheinevitabilityoftheInternetera,clearcommercialbanksandInternetfinancialcompetition,expoundstheInternetFinancialonthebanksofthestimulus,mainlyreferstotheinfluenceoftheInternetfinanceofcommercialbankfinancialstatus,managementmode,servicemode,managementideaandthesourceofincomeetc.inthefaceofchallenges,underthesituationofInternetbanking,financialimpetusforchangeisverystrong,basedonthis,thispapermeasures,commentsorsuggestionsforInternetfinancialoneonegiventheimpactoncommercialbanks,andthenputsforwardtheconsummationrelatedpolicyofInternetfinancialsupervisionandmanagement,tocreateaharmoniousandstableeconomicenvironment.Keywords：Internet,commercialbank,influenceandCountermeasures目录一、绪论...................................................................................................................1二、文献综述...........................................................................................................1（一）国外相关文件综述.................................................................................1（二）国内相关文献综述.................................................................................2三、互联网金融概述...............................................................................................3（一）互联网金融的三种形态.........................................................................3（二）互联网理财.............................................................................................3四、我国互联网金融发展的现状...........................................................................3五、互联网金融给商业银行的冲击.......................................................................4（一）互联网金融对商业银行金融地位的冲击.............................................4（二）互联网金融对商业银行经营理念的冲击--“”鲶鱼效应.......................5（三）互联网金融对商业银行服务模式的冲击.............................................5...
