互联网金融对商业银行的冲击
Internet Finance’s Impact on Commercial Bank

近年来，互联网信息技术高速发展使得互联网金融应运而生，推动了金融业的发展，但与此同时，其对传统的金融业发展也造成了较大的冲击。本文在《商业银行经营与管理实务》课程的指导下对当今时代商业银行所需承受的风险进行分析，从宏观与微观层面对当今时代的商业银行现状进行信息整合与对策探讨，力图帮助传统的金融业寻找解决方法以减小互联网金融对传统金融行业的消极影响。
In recent years, the rapid development of Internet information technology makes Internet Finance emerge as the times require, which promotes the development of commercial banks, but at the same time, it also has a great impact on the development of traditional financial industry. Under the guidance of the course “commercial bank operation and management practice”, this paper analyzes the risks that commercial banks need to bear in today’s era, and discusses the information integra-tion and Countermeasures of the current situation of commercial banks from the macro and micro levels, trying to help the traditional financial industry find solutions to reduce the negative impact of Internet Finance on the traditional financial industry.