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近年来,随着电子商务的快速发展,互联网金融应运而生,且发展势头迅猛,传统商业银行不可避免的受到了影响,本文开始先概述了互联网金融的概念及其发展的原因,并介绍了互联网金融主要涉及的领域:第三方支付和网络借贷。其次,从文章的总体立意出发,选择了第三方支付和网络信贷这两个方面来分析互联网金融对传统商业银行的影响。最后对传统商业银行提出了建议。
In recent years, with the rapid development of e-commerce, Internet finance came into being, and the development momentum is swift and violent, the traditional commercial bank inevitably has been affected. This article begins with an overview of the concept of Internet finance and its development reasons, and introduces The main areas of Internet finance are: third-party payment and online lending. Secondly, from the overall intention of the article, I choose the third-party payment and online credit to analyze the impact of Internet finance on traditional commercial banks. Finally, the traditional commercial bank made a suggestion.