近年来,凭借着电子商务和信息数据的优势,互联网金融企业在金融服务模式上显示出了很强的创新性和竞争性,必将对传统银行业务和管理模式产生深远的影响。本文分析了互联网金融的发展现状及其比较优势,进而分析互联网金融发展对银行传统业务的冲击和资产负债管理的挑战,探讨商业银行资产负债管理的应对策略。 In recent years, with the advantages of e-commerce and information data, Internet financial enterprises have shown great innovation and competitiveness in the financial service mode, which will have a profound impact on the traditional banking business and management mode. This article analyzes the status quo and comparative advantages of the development of Internet finance, and then analyzes the impact of Internet finance development on the bank’s traditional business impact and assets and liabilities management challenges, and discusses the coping strategies of assets and liabilities management of commercial banks.