面对互联网金融的挑战，商业银行应加速信息化建设，实现经营模式转型，并以“互联网金融+”模式服务于传统产业升级，助推小微企业发展，支持普惠金融。文章梳理了互联网金融主要业态的发展概况与趋势，对互联网企业从事的互联网金融业务与商业银行进行了对比分析，发现互联网金融已经对商业银行产生了直接或间接的影响甚至是冲击，但是由于目标客户群体与业务模式的差异，现阶段两者总体上呈现出互补的竞合关系。文章提出“互联网金融+”趋势下商业银行发展策略建议：主动服务国家战略，实现业务结构与收入结构的优化，促进产品结构优化与业务流程改造，提高产品、服务覆盖率与客户满意度。加大对小微企业的支持力度，实现传统业务的升级改造。%Facing the challenges of Internet Finance, commercial banks are supposed to accelerate information construction, carry out the transformation of the management mode, and develop a mode of“Internet Finance +” to upgrade traditional industries, boost small and micro businesses and support the development of inclusive finance. Based on a review of the general situation and development trend of Internet banking industry and a contrastive study of the Internet companies engaged in Internet banking and commercial banks, it is found that Internet Finance has already exerted a direct or indirect impact on commercial banks, but because of their different target customer groups and business models, presently they are keeping a complementary competition and cooperation relationship. Subsequently the paper puts forward the management countermeasures for commercial banks under the trend of “Internet Finance+”, namely to serve national development strategy actively, optimize the business structure and revenue structure, enhance the support for small and micro businesses, upgrade the traditional business, promote the optimization of product structure and the transformation of business process and improve the coverage of products and services so as to build up client satisfaction.
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