摘 要根据当今互联网金融发展对商业银行造成的影响，对商业银行的盈利能力进行了分析探究，运用明辨思维法和头脑风暴法对选题的国内外现状进行了对比与思考。随着科学技术的迅速发展，互联网金融对我们的生活产生了翻天覆地的影响。第一，互联网的迅猛发展改变着人们的生活方式，传统的商业模式无一不在被颠覆中。第二，传统金融机构已无法满足人民群众日益增长的金融需求，且传统金融革新困难，服务态度有待考究，业务模式固化，难以为群众提供便利。 在当今互联网金融与商业银行竞争如此激烈的条件下，商业银行积极创新自己的业务领域，改变自己的盈利模式就变得尤为重要。本文对互联网金融冲击下商业银行的现状与地位以及它们的优缺点进行了详细的分析与比较，并且结合其自身的结构模式及其发展规律利用相关案例分析法对如今的盈利能力进行了探究与评价，并在最后对商业银行未来的盈利能力进行了预测，指明了商业银行的对互联网金融的影响下自身盈利能力提升对策的选择。关键词：互联网金融；竞争；商业银行；盈利能力Analysis on the profit model of commercialbanksunder the impact of Internet financeAbstractAccording to the impact of the development of Internet finance on commercial Banks, this paper analyzes and explores the profit model of commercial Banks, and makes a comparison and reflection on the current situation at home and abroad of the topic selection with the method of critical thinking and brainstorming. With the rapid development of science and technology, Internet finance has produced earthshaking influence on our life. First, the rapid development of the Internet is changing people's way of life, and traditional business models are all being overturned. Second, traditional financial institutions have been unable to meet the growing financial needs of the people, and traditional financial innovation difficulties, service attitude to be studied, business model solidified, difficult to provide convenience for the masses. Third, with the development of big data risk control industry...
