互联网金融是目前金融领域最引人瞩目的潮流之一。本文对比了互联网金融与传统银行之间的本质差异与各自挑战,探讨了两者之间的融合路径与改进方向,从传统银行角度,提出谋求互联网金融与传统银行的最大交集、抓好务实超前研究、树立底线思维三点思考。本文的目的是在互联网金融已对传统银行全面触动的关键节点上,深入思考两者如何对接与融合、推测未来可能发生的变化、互联网思维的深远影响以及我们的对策,确立在大数据时代背景下,银行业成功走向未来的思路。 Internet finance is one of the most eye-catching trends in the financial field. This paper compares the essential differences between Internet finance and traditional banks and their respective challenges, explores the integration path and improvement direction between the two, from the perspective of traditional banks, proposes to seek the maximum intersection of Internet finance and traditional banks, Study, establish thinking of the bottom line thinking. The purpose of this paper is to deeply think about how to connect and integrate the two at the key nodes that the internet finance has been fully touched by the traditional banks, speculate on possible changes in the future, the far-reaching influence of internet thinking and our countermeasures, Next, the idea of ​​banking success to the future.