随着社会经济的不断发展,互联网技术得到了普及,带动了网上消费和网上信贷的发展,使互联网金融行业的功能不断增加,衍生出来的新型金融产品给传统的金融理念带来了深刻的影响。对于当前的商业银行来说,应该对金融产品进行自我调节和自我创新,可以有效的减少互联网金融产品所带来的负面影响,使其与当前的发展潮流实现一致。所以需要对金融产品进行系统化的分析,实现对金融产品功能的创新和改革,把握金融产品发展的特点,及时采取有效的解决策略。 With the continuous development of society and economy, the popularization of Internet technology has led to the development of online consumption and online credit, and the functions of Internet finance industry have been continuously increased. The new financial products derived from this have brought a profound impact on the traditional financial concepts . For the current commercial banks, financial products should be self-regulating and self-innovation, which can effectively reduce the negative impact of Internet financial products and bring them into line with the current development trend. Therefore, it is necessary to systematically analyze the financial products, realize the innovation and reform of the functions of the financial products, grasp the characteristics of the development of the financial products, and adopt effective strategies in time.