近年来,P2P网络贷款业务在我国快速发展,并呈现出广阔发展前景。就目前业务演变方向来看,P2P网贷与商业银行等金融机构存在业务合作和对接可能。本文就互联网金融浪潮中商业银行面临的机遇与挑战、加强与P2P网贷公司的合作办法或直接开展P2P网贷业务的展业渠道进行了探索。 In recent years, P2P network loan business has developed rapidly in our country, and has shown broad prospects for development. In terms of the current business evolution direction, P2P network loans and commercial banks and other financial institutions exist business cooperation and docking possible. This paper explores the opportunities and challenges that commercial banks are facing in the wave of Internet finance, and strengthens the cooperation measures with P2P network loan companies or directly conducts the development of P2P network loan business.