目前,我国进入信息化发展时代,互联网技术获得了迅速发展,并在社会各行各业中被普遍应用,尤其是在金融行业中,促进了金融模式的发展和进步,具有非常重要的作用。这种互联网下的金融模式对传统的银行业产生了一定的影响。本文首先对互联网金融模式的主要类型以及发展优势进行了阐述,然后就其对传统银行业产生的影响进行了具体分析。 At present, China has entered an era of information technology development, and Internet technology has enjoyed rapid development. It has been widely used in all walks of life in society. Especially in the financial industry, it has played an important role in promoting the development and progress of financial models. The financial model under the Internet has had a certain impact on the traditional banking industry. This paper first expounds the main types of Internet financial models and their advantages in development, and then makes a concrete analysis of their impact on the traditional banking industry.