互联网金融时代商业银行如何在分析、利用自身优势的基础上,融合互联网技术继续保持个人信贷业务的市场领先地位具有重要意义。本文对我国互联网金融业务的发展现状,以及商业银行在新时代继续开展个人信贷业务优劣势、机遇和挑战等情况进行分析研究,以期能够对商业银行个人信贷业务在互联网金融时代继续保持竞争优势提出建议。 Internet commercial era of commercial banks how to analyze and use their own advantages, based on the integration of Internet technology to maintain personal credit business market leadership is of great significance. This article analyzes the status quo of internet finance business in our country, as well as the advantages and disadvantages, opportunities and challenges of commercial banks in continuing to carry out personal credit business in the new era with the hope of keeping the personal credit business of commercial banks in the Internet financial era and keeping competitive advantages Suggest.