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With the rapid development of information technology, the development of internet finance has gradually emerged. On the basis of summarizing the concept, features, and functions of internet finance, this paper describes the impact of the development of internet finance on traditional commercial banks in terms of strategy,customer channels,financing,pricing, and financial disintermediation. In general, Internet finance has the characteristics of “grassroots” and universal benefits, low cost,high efficiency, and convenient service. The core competitiveness lies in the increasingly powerful and powerful function of relieving information asymmetry. The emergence of internet finance has caused tremendous impact on traditional financial businesses in all aspects, especially in the areas of payments, liabilities, development threats in the areas of financing and the use of information resources. This article believes that the development of internet finance will not shake the traditional business model and profitability of commercial banks in the short term, but in the long run, commercial banks should make full use of internet finance to achieve new development. At the same time, the continued healthy development of the Internet finance industry depends on the self-discipline and active innovation of Internet finance companies. It also attracts more customers and strengthens system security.