互联网金融与传统的商业银行相比,具有更多发展优势,但与此同时也存在一定的风险。互联网金融得以快速发展的动因包括信息技术的不断革新、市场需求及互联网渠道,这些因素共同构成了互联网金融的今天。本文将从商业银行的视角分析探讨互联网金融的发展现状、特点及本质属性。 Compared with the traditional commercial banks, internet finance has more development advantages, but at the same time, there is some risk. The reasons for the rapid development of Internet finance include the continuous innovation of information technology, market demand and Internet channels, which together constitute the Internet finance today. This article will analyze the status quo, characteristics and essential attributes of Internet finance from the perspective of commercial banks.