摘 要随着我国现代金融市场经济的持续地迅速发展,国家对个人创业的鼓励和支持,大部分年轻人都想自己做一番事业，小微型企业的数量不断地增加,所以小额贷款的需求持续不断地上升。在商业银行的死板贷款模式不能完全满足中小企业的贷款需求的情况下,互联网贷款模式的出现为小微企业的小额贷款提供了极大地便利,为推动我国金融和经济社会的健康发展进一步起到良好的促进推动和示范作用。本文主要通过对互联网贷款模式与传统的商业银行的贷款模式进行了优劣势对比,对互联网贷款的发展模式、优势、产生的效果及影响等因素进行了对比分析,同时和传统商业银行的金融业务的对比进行了全面的对比,从而更好的地研究和剖析其给传统的贷款金融业务带来的机遇及产生的影响,一定程度上为我国传统的银行贷款业务和金融模式的创新转变提供有效地理论依据。关键词：互联网金融；商业银行；贷款；影响；对策AbstractWith the sustained and rapid development of China's modern financial market economy and the encouragement and support of the state for individual entrepreneurship, most young people want to make a career of their own, and the number of small and micro enterprises is constantly increasing, so the demand for microfinance continues to rise. Under the circumstances that the rigid loan model of commercial banks can not completely meet the loan demand of small and medium-sized enterprises, the emergence of Internet loan model has provided great convenience for the small and micro-sized enterprises'small loan, in order to promote the healthy development of China's financial and Economic Society to further play a good role to promote and model. This paper compares the advantages and disadvantages of the Internet loan model with the traditional commercial bank loan model, and analyzes the development model, advantages, effects and influences of the Internet loan, etc. , at the same time, it makes a comprehensive comparison with the financial business of traditional commercial banks,...
