中小银行是众多互联网金融参与者中重要的力量。本文分析了互联网+背景下中小银行面临的新形势,并进一步分析了新机遇和新挑战下中小银行所具备的优势和劣势,并对中小银行未来发展之路提出了建议。伴随着互联网+浪潮的深入推进和演化,互联网+给金融业界带来的理念重构效应越发深刻,众多互联网金融的参与者纷纷以积极开放的姿态投身互联网+的洪流,中小银行就是其 Small and medium-sized banks are an important force among many Internet finance participants. This article analyzes the new situation that small and medium-sized banks are facing under the background of Internet +, and further analyzes the advantages and disadvantages that small and medium-sized banks have under new and new challenges. It also gives some suggestions on the future development of small and medium-sized banks. With the deepening promotion and evolution of the Internet + wave, the concept of Internet + brought to the financial industry has become more and more profound. Many Internet financial participants have joined the torrent of Internet + in a positive and open manner. Small and medium-sized banks