如今,我国商业银行内外部环境的变化在互联网金融的发展影响下愈演愈烈,互联网金融的新型化模式对传统银行业带来了极大冲击,导致纯粹的资本扩张模式无法与现在的大环境相适应。本文将针对互联网金融理财产品余额宝对银行业发展的影响进行分析与阐述,以供参考。 Nowadays, the changes in the internal and external environment of commercial banks in China are becoming more and more serious under the influence of the development of Internet finance. The new pattern of internet finance has brought a tremendous impact on the traditional banking industry, resulting in a purely capital expansion model that can not be adapted to the current environment . This article will analyze and elaborate on the impact of the balance of Internet financial wealth management products on banking development for reference.