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随着时代的发展,互联网金融得到了长足的进步,并且与传统商业银行之间不断进行融合与发展,将会促进金融结构的改革和金融功能效率的提高,完成从大企业金融、丰富金融到包容性金融的转变。互联网金融对传统金融体系的影响,以及新金融行业的出现,可能是未来几年中国金融业面临的现实问题。本文通过对互联网金融得概念进行分析,并分析其主要功能,以及互联网金融与商业银行业务融合发展的模式,希望对促进我国金融行业的发展做出积极贡献。
With the development of the times, the Internet finance has made great strides and the continuous integration and development with the traditional commercial banks will promote the reform of the financial structure and the improvement of the financial function and efficiency, and complete the transition from large enterprise finance and rich finance to Inclusive financial change. The impact of Internet finance on the traditional financial system, as well as the emergence of a new financial industry, may be a real problem facing China’s financial industry in the coming years. This paper analyzes the concept of internet finance and analyzes its main functions and the mode of integration and development of Internet finance and commercial banking. It hopes to make a positive contribution to the development of China’s financial industry.