在二十一世纪,我国的信息技术得到了飞速的发展,经济也取得了很大的进步,互联网和经济的发展催生了一种新的金融模式,那就是互联网金融模式。互联网金融模式不同于传统的金融模式,它有着自身的特点,而且互联网金融的存在也给我国传统银行业带来了一定的影响。本文就我国互联网金融的模式进行了一定的探讨,并且对互联网金融对于我国传统银行业的影响做出了一定的研究,以及为我国的互联网金融发展和传统银行业发展提供一些指导,使二者互相促进,获得双赢。 In the 21st century, the information technology in our country has been rapidly developed and the economy has made great progress. The development of the Internet and the economy has given birth to a new financial model, that is, the Internet financial model. Internet financial model is different from the traditional financial model, it has its own characteristics, but also the existence of Internet finance has also brought some impact on China’s traditional banking industry. This article makes a certain discussion on the mode of Internet finance in our country, and makes some research on the impact of Internet finance on China’s traditional banking industry, as well as some guidance for the development of internet finance and traditional banking in our country, Promote each other, get win-win situation.