互联网金融在我国已经有十几年的发展,随着移动互联网时代的到来,互联网金融迎来了飞速发展的阶段。随着互联网金融的普及,其对传统银行业产生了非常大的冲击。本文首先介绍互联网金融目前的形态以及优劣,然后详细分析互联网金融对传统银行带来的挑战,最后探讨了传统银行面对互联网金融的影响应该采取的措施。 Internet finance in our country has more than ten years of development, with the advent of the mobile Internet era, Internet finance ushered in the rapid development stage. With the popularization of Internet finance, it has had a very big impact on the traditional banking industry. This article first introduces the current situation and advantages and disadvantages of Internet finance, and then analyzes the challenges brought by Internet finance to traditional banks in detail. Finally, it discusses the measures that traditional banks should take to face the impact of Internet finance.