在“互联网+”时代中,传统银行的发展面临重重挑战,转型势在必行。本文认为,银行应对挑战的重要策略就是以金融为核心,结合应用场景,满足并挖掘客户需求,将客户的日常生活紧紧地捆绑在银行的产品和服务周围,由内向外,构建“金融+生活”生态体系。中国于2015年正式迈入“互联网+”时代,传统银行所在的金融生态系统发生了巨大变化。互联网发展改变了客户的行为和预期,金融业竞争者日益多元化,加上利率市场化等外部因素,传统银 In the “Internet + ” era, the development of traditional banks faces many challenges, and transformation is imperative. This paper argues that the bank’s key strategy to deal with the challenge is to take the financial as the core and combine the application scenarios to meet and tap the needs of customers and tightly bundle the daily life of the customers around the products and services of the bank. From the inside to the outside, + Life “ecosystem. Since China formally entered the era of ”Internet +" in 2015, the financial ecosystem where traditional banks are located has undergone tremendous changes. The development of the Internet has changed the behavior and expectations of customers. Financial industry competitors are increasingly diversified. Coupled with external factors such as interest rate liberalization, the traditional silver