互联网对国民经济生活的影响日益广泛与深刻。互联网金融使得支付渠道与金融产品更多元化,同时也将大数据应用到了金融行业。在互联网金融不断发展壮大的同时,传统银行业务的生存与发展受到了较大挑战。商业银行在互联网金融发展背景下,应该积极更新经营理念,提供更人性化的金融服务,完善支付渠道,重视大数据的作用。 The impact of the Internet on the national economy has become increasingly widespread and profound. Internet finance makes the payment channels more diversified with financial products, but also applies big data to the financial industry. While Internet finance is constantly growing and expanding, the survival and development of the traditional banking business are greatly challenged. Under the background of Internet financial development, commercial banks should actively update their business philosophy, provide more humane financial services, improve their payment channels and pay attention to the role of big data.