2015年3月,两会的政府报告提出了“互联网+”这一新行动指南,互联网已经渗入到人们生活的方方面面。互联网金融在这科技浪潮中脱颖而出,推动了金融行业的发展,同时也对传统金融行业带来了全方位、多角度的冲击,互联网金融的发展势不可挡,我国商业银行不进则退,必须适应互联网金融对其业绩与经营模式带来的影响,实现互联网金融新常态下的发展。 In March 2015, the government report of the two sessions proposed a new guideline of “Internet + ”, and the Internet has infiltrated all aspects of people’s lives. The emergence of Internet finance in this wave of science and technology has promoted the development of the financial industry and brought a full-scale and multi-angle impact on the traditional financial industry. The development of Internet finance is unstoppable. China’s commercial banks are not allowed to retreat and must adapt to the Internet The impact of finance on its performance and business model and the development of Internet finance under the new normal.