互联网金融的应运而生,给以银行为代表的传统金融机构带来了挑战和冲击,银行虽然目前仍居于各类金融活动的主导地位,但如果不积极应对,将失去与互联网金融合作共赢的机会,将无法取得同业的领先优势。本篇论文首先概述了互联网金融的业务模式,其次分析了互联网金融模式在战略、客户渠道等方面对传统银行的影响,最后探讨了传统银行如何在互联网金融的背景之下积极改革,针对传统银行在互联网时代的发展做出一些思考。 Internet finance came into being, which brought challenge and impact to the traditional financial institutions represented by banks. Although banks still dominates various financial activities, if they do not actively respond, they will lose their win-win cooperation with Internet finance Opportunities, will not be able to obtain the industry’s leading edge. This paper first outlines the business model of Internet finance, and secondly analyzes the impact of the Internet financial model on the traditional banks in the aspects of strategy and customer channels. Finally, it discusses how traditional banks can actively reform under the background of Internet finance, In the development of the Internet era to make some thinking.