商业银行需要积极应对互联网金融的冲击,借鉴其核心竞争要素改进自身的产品和服务,同时强化优势业务,并注重与互联网金融公司开展合作。互联网金融领域有一句名言:“银行不改变,就改变银行。”近年来,随着互联网金融的不断发展,该名言正在逐步变为现实,商业银行越来越多地受到其冲击。其一,部分银行业务遭遇互联网金融企业的强势争夺。支付结算是银行的看家业务,转账、付款等一度曾是银 Commercial banks need to actively deal with the impact of Internet finance, improve their products and services based on their core competitive elements, strengthen their competitive businesses and focus on cooperation with Internet finance companies. There is a famous saying in internet finance: “Banks do not change, they change banks.” In recent years, with the continuous development of internet finance, the saying is gradually becoming a reality and commercial banks are increasingly being hit by them. First, some of the banking business suffered a strong competition from Internet financial companies. Payment settlement is a banker’s housekeeping business, transfer, payment once was silver