我国商业银行伴随着不断的发展逐渐加深了和互联网金融的联系,二者互为补充,为人们的生产、生活带来了巨大的改变。本文针对于互联网金融当前状况进行细致性分析,全面阐释了互联网金融状态下,传统商业银行的发展面临的阻碍,互联网金融的发展为我国银行既带来了发展机会,又制造了挑战。 With continuous development, China’s commercial banks have gradually deepened their ties with Internet finance. The two complement each other and bring tremendous changes to people’s production and life. This article analyzes the current situation of internet finance in detail and fully explains the obstacles that the development of traditional commercial banks face under the condition of internet finance. The development of internet finance brings both opportunities for development and challenges for our country’s banks.