在我国实施“互联网+”战略的背景下,商业银行需要主动顺应竞争环境的变化、积极建设智能互联网产品体系。尽管商业银行需要面临内在和外在的种种挑战,也需要克服相应的困难,但本文认为,至少通过推动建立数据采集分析体系、建设产品云等六大方面的具体措施,就能够让商业银行在未来互联网背景下的竞争中立于不败之地。 Under the background of our country’s implementation of “Internet + ” strategy, commercial banks need to take the initiative to comply with changes in the competitive environment and actively build intelligent Internet product system. Although commercial banks need to face both internal and external challenges and need to overcome the corresponding difficulties, this paper argues that at least through the promotion of the establishment of data collection and analysis system, building product cloud six specific measures to enable commercial banks in Future competition in the background of the Internet remain invincible.