近年来,互联网金融呈现爆发式增长趋势,对我们的思维、生活和工作带来深刻影响,冠名以“王冠上的明珠”的传统金融体系也面临互联网金融的影响。互联网金融正在蚕食和侵袭传统金融体系,甚至在某些领域重塑金融面貌,本文通过分析互联网金融对传统金融体系的影响,试图让传统金融体系和互联网金融走向历史趋合。 In recent years, Internet finance has shown an explosive growth trend, which has a profound impact on our thinking, living and work. The traditional financial system titled “Pearl on Crown” also faces the influence of Internet finance. Internet finance is erode and invade the traditional financial system, and even reshape the financial aspect in some fields. By analyzing the influence of Internet finance on the traditional financial system, this article attempts to make the traditional financial system and internet finance trend toward history.