摘要随着我国传统银行业的持续发展，传统银行业已经占据了目前为止的绝大部分的金融市场，持续支撑着我国国民经济的发展壮大。然而，随着互联网金融的推出与快速发展，在短短几年的时间内就成功吸引了大量的投资资金，因此给我国传统银行业带来了巨大的冲击，一定程度上动摇了传统银行业在金融市场中的地位，不利于传统银行业的进一步发展壮大。本文结合实际数据情况和具体案例，就互联网金融对我国传统银行业造成冲击的问题进行了新的研究。首先，本文系统阐述了互联网金融与传统银行业关系的基本理论内容、主要的发展模式以及如今的发展状况。其次，对互联网金融与传统银行业的关系作出研究，并阐述了互联网金融给传统银行业所带来的一些的新的发展机会。然后，着重研究了互联网金融对传统银行业所造成的重要影响以及在互联网金融的影响下给传统银行业带来的挑战。最后，有针对性的给出了传统银行业应该如何适应互联网金融挑战的措施与建议。关键词：互联网金融；传统银行业；现状；挑战和机遇ResearchonTheInfluenceofInternetFinanceonTraditionalBankingIndustryAbstractWiththecontinuousdevelopmentofChina'straditionalbankingindustry,thetraditionalbankingindustryhasoccupiedbyfarthevastmajorityofthefinancialmarket,continuingtosupportthedevelopmentandgrowthofChina'snationaleconomy.However,withtheintroductionandrapiddevelopmentofInternetfinance,ithassuccessfullyattractedalargeamountofinvestmentfundsinjustafewyears,thusbringingahugeeffectonChina'straditionalbankingindustry,shakingthepositionoftraditionalbankingindustryinthefinancialmarkettoacertainextent,whichisnotconducivetothefurtherdevelopmentandgrowthoftraditionalbankingindustry.ThispapercombinestheactualdatasituationandspecificcasestostartanewresearchontheimpactofInternetfinanceonChina'straditionalbankingindustry.First,thispapersystematicallyintroducesthetheoreticalconnotationofInternetfinanceandtraditionalbankingindustry,themaindevelopmentmodeanditsmainpresent-daydevelopmentstatus.Then,thestudyofInternetfinanceandtraditionalbankingindustryismade,andsomenewdevelopmentopportunitiesbroughtbyInternetfinancetotraditionalbankingindustryareclarified.Next,wepayattentiontothesignificantimpactofInternetfinanceonthetraditionalbankingindustryandthechallengesbroughttotraditionalbankingindustryundertheinfluenceofInternetfinance.Finally,measuresandsuggestionsaregivenonhowthetraditionalbankingindustryshouldadapttothechallengesofInternetfinance.Keywords：InternetFinance；TraditionalBankingIndustry；StatusQuo；ChallengesAndOpportunities目录摘要........................................................................................................................IAbstract..........................................................................................................................II一、引言........................................................................................................................1（一）研究背景....................................................................................................2（二）研究目的与意义........................................................................................2（三）研究思路与研究内容................................................................................3（四）研究方法与拟创新之处............................................................................31.研究方法.....................................................................................................32.拟创新点.......................................................
