随着我国综合国力的不断增强,信息技术在我国的发展态势日益迅猛,互联网金融模式的出现,使得农村商业银行在很多方面发生改变,本文主要分析互联网金融模式对农村商业银行的利与弊两个不同的方面,并且针对不利影响,给出了一些应对措施,主要包括经营战略的调整、创新研究的重视和客服需求的差异化等方面。 With the continuous enhancement of China’s overall national strength, the development of information technology in our country has become increasingly rapid. The appearance of the Internet financial model has caused rural commercial banks to change in many ways. This paper mainly analyzes the advantages and disadvantages of the Internet financial model for rural commercial banks. Different aspects, and for the adverse impact, given some countermeasures, including the adjustment of business strategy, attention to innovation research and customer service requirements and other aspects of differentiation.