互联网金融业在我国迅速发展,不仅影响着人们的生活方式,对支付方式也有着一定的影响。如今新型的互联网金融模式如网上银行,手机支付等对传统银行造成巨大冲击,但也带来了机遇,如何实现互联网金融模式与传统银行业的合作共赢是如今社会人士所关注的焦点。本文研究互联网的优势与功能,传统银行业的挑战与机遇,寻找互联网与传统模式的合作共赢方式。 The rapid development of the Internet finance industry in our country not only affects people’s way of life, but also affects the payment methods. Nowadays, the new Internet financial models such as online banking and mobile payment have caused great impact on traditional banks, but they also bring opportunities. How to realize the win-win cooperation between the Internet financial model and the traditional banking industry is now the focus of the community. This paper studies the advantages and functions of the Internet, the challenges and opportunities of the traditional banking industry, and the search for a win-win cooperation between the Internet and the traditional model.