摘要：近年来随着信息技术的发展，出现了以互联网和移动互联网为媒介的如移动支付、云计算、第三方支付等互联网金融产品。类似余额宝，P2P，微信支付等产品被越来越多的人所了解，也大大颠覆了传统的银行理财业务。可以说互联网金融的崛起改变了人们对金融业传统格局的看法，给商业银行带来冲击。本文就互联网金融对商业银行的影响进行研究。首先介绍互联网金融的发展现状和主要模式等，随后说明银行理财业务发展的现状并以余额宝为例分析其对商业银行特别是理财业务的影响主要包括冲击一部分销量和促使银行改革创新，最后结合互联网金融未来的发展趋势提出商业银行应对互联网金融发展要在业务领域转型创新，加快推出互联网和移动互联网产品等提升竞争力，以及银行未来的发展前景。

关键词：互联网金融 余额宝 银行 理财业务 影响

Abstract：With the development of information technology, some internet finance products has been released to consumers such as mobile payment, cloud computing, third-party payment, etc. Such products like Yu’e Bao,P2P has been accepted by more and more people, and it affects a lot to financial services of banks. So in this paper I want to research the influence for the development of internet finance to commercial banks. First I introduce current situation and main modes of internet finance, then explain current financial services of banks, and illustrate the influence to banks with Yu’e Bao especially about financial services. Finally combined with the trend of the Internet financial, I give some suggestions to banks about how to deal with the rapid development of the internet finance and prospects of commercial banks.

Key words: Internet finance  Yu’e Bao  commercial banks  financial services  influence