今年两会,国家总理李克强在政府工作报告中首次提出,“制定‘互联网+’行动计划”。互联网金融发展势头迅猛,互联网信贷在不同程度上冲击着商业银行的资产业务。传统商业银行如何在冲击中减少对自身资产业务特别是信贷业务的影响,吸取互联网金融所长以提高经营效率,将是本文研究的重点。 During the two sessions this year, the Prime Minister, Li Keqiang, put forward for the first time in the government work report, “Developing an ”Internet +“ Action Plan.” The development of internet finance is swift and violent. Internet credit has impacted the asset business of commercial banks to varying degrees. How the traditional commercial banks can reduce the impact on their own asset business, especially credit business, and draw on the Internet finance director to improve their operating efficiency will be the focus of this study.