随着电子商务的快速发展,互联网金融在我国日益兴起,我国商业银行资产负债管理面临的挑战日益严峻。本文在互联网金融现状的基础上,分析了互联网金融对我国商业银行资产负债管理产生的影响,对优化资产负债组合、强化定价管理和加强与互联网科技企业合作等方面,提出我国商业银行资产负债管理应采取的应对策略,以更好地推动我国银行业的全面发展。 With the rapid development of e-commerce, internet finance is rising day by day in our country. The challenges facing asset-liability management of commercial banks in our country are increasingly serious. Based on the status quo of internet finance, this paper analyzes the impact of internet finance on asset liability management of commercial banks in our country, and puts forward some suggestions on how to optimize assets and liabilities portfolio, strengthen pricing management and strengthen cooperation with Internet technology companies. Countermeasures should be taken to better promote the all-round development of China’s banking sector.