随着互联网技术与金融的结合,互联网金融模式逐渐兴起,同时金融互联网模式也重新引起了传统商业银行的重视。本文从厘清互联网金融与金融互联网的概念、功能、角色、相互关系和未来发展趋势的角度入手,将互联网金融的美国经验引入分析框架,揭示出互联网金融的未来发展趋势,进而提出传统银行业应朝着服务智能化、组织结构扁平化和经营模式个性化等方向进行变革。 With the combination of Internet technology and finance, the Internet financial model is gradually emerging, meanwhile, the financial Internet model has rekindled the importance of traditional commercial banks. Starting from the perspective of the concept, function, role, interrelation and future development trend of internet finance and financial internet, this paper introduces the American experience of internet finance into the analysis framework and reveals the future development trend of internet finance. Toward intelligent service, flat organizational structure and business model and other changes in the direction.