摘要现在，互联网金融有了很大的发展，多种金融服务纷纷出台，如第三方支付还有电商平台等，这些影响着我们生活的方方面面，与此同时，其还影响着传统商业银行的资产还有负债等业务，互联网金融在不断发展，势必给其他领域带来冲击，在这种情况下，商业银行应该积极应对其挑战，怎样有更好的发展，是本文重点研究的问题。本文在开头阐述了互联网金融给商业银行各种传统业务所产生的影响，也给出了好的建议与对策，本文对营口银行熊岳支行案例作了详细分析，也阐述了该银行在互联网金背景下会受到哪些影响，还给出了好的建议，如正确运用互联网金融方法，让银行业务变得更完善，建设好电子渠道，增强客户体验，打造高素质人才队伍等，本文对互联网金融在当下的情况作了很好的研究，期望通过该研究，营口银行熊岳支行能够明确自身在互联网金融背景下会受到哪些影响，应该运用哪些方法让自己在现阶段发展得更好，也给创新银行业务的实践提供了相关借鉴作用。关键词：互联网金融；商业银行；转型发展ProblemsandcountermeasuresfacedinthetransformationofcommercialbanksunderthebackgroundofInternetfinance——TakeYingkouBankasanexampleAbstractNow,Internetfinancehasmadegreatprogress,andavarietyoffinancialserviceshavebeenintroduced,suchasthird-partypaymentande-commerceplatforms,whichaffectallaspectsofourlives.Atthesametime,italsoaffectstheassets,liabilitiesandotherbusinessesoftraditionalcommercialbanks.ThecontinuousdevelopmentofInternetfinanceisboundtohaveanimpactonotherfields.Inthiscase,commercialbanksshouldactivelyrespondtoitschallenges,Howtohavebetterdevelopmentisthefocusofthispaper.Atthebeginning,thispaperexpoundstheimpactofInternetFinanceonvarioustraditionalbusinessesofcommercialbanks,andalsogivesgoodsuggestionsandcountermeasures.ThispapermakesadetailedanalysisofthecaseofYingkoubank,andalsoexpoundstheimpactthatthebankwillbeaffectedunderthebackgroundofInternetfinance.Italsogivesgoodsuggestions,suchascorrectlyusingInternetfinancemethodstomakebankingbusinessmoreperfect,buildingelectronicchannelsandenhancingcustomerexperience,Tobuildahigh-qualitytalentteam,thispapermakesagoodresearchonthecurrentsituationofInternetfinance.Itisexpectedthatthroughthisresearch,YingkoubankcanclarifywhatimpactitwillbeaffectedinthecontextofInternetFinanceandwhatmethodsitshouldusetomakeitsdevelopmentbetteratthisstage,whichalsoprovidesrelevantreferenceforthepracticeofinnovativebankingbusiness.KeyWords：onlinefinance;CommercialBanking;Transformationanddevelopment目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II引言....................................................................................................................................1一、营口银行熊岳支行实习工作概况................................................................................2（一）营口银行熊岳支行概况.....................................................................................2（二）营口银行熊岳支行实习岗位介绍.....................................................................2（三）营口银行熊岳支行实习工作开展情况.............................................................2二、互联网金融背景下营口银行熊岳支行的转型............................................................3（一）互联网金融及其发展概况................................................................
