随着信息技术的快速发展,互联网金融模式逐渐兴起。本文在从互联网金融的特征、功能等方面阐述了互联网金融模式的优势以及对传统商业银行产生的影响。本文认为,互联网金融模式是大势所趋,但短期内不会动摇商业银行传统的经营模式和盈利方式,但从长远来说商业银行应主动调整策略,积极参与到互联网金融的大潮中来,是自己获得更好的发展 With the rapid development of information technology, the Internet financial model is gradually emerging. This article elaborates the advantages of the Internet financial model and its impact on the traditional commercial banks in terms of the features and functions of Internet finance. This paper argues that the Internet financial model is the trend of the times, but in the short term will not shake the traditional business model and profitability of commercial banks, but in the long term commercial banks should take the initiative to adjust strategies and actively participate in the tide of Internet finance, is their own access Better development