互联网的迅速发展和普及,不断催生新的金融创新产品及融资模式,互联网金融由此应运而生。目前,互联网金融的迅猛发展,它与商业银行展开激烈的竞争,并将改变银行业的经营模式和运行格局,因此,研究互联网金融对商业银行的影响是必要的。 The rapid development and popularization of the Internet, the continuous creation of new financial innovation products and financing models, the Internet financial came into being. At present, the rapid development of Internet finance, it fierce competition with commercial banks, and will change the banking business model and operating pattern, therefore, the study of Internet banking on the commercial banks are necessary.