互联网的发展,对金融模式的发展,有了很大的促进。通过对当前互联网金融模式的简要分析,结合传统的融资模式发展状况,从而对当前互联网金融模式的扩展,对当前中国商业银行的影响,总结出相关的意见。利用这种互联网金融的处理方式,融合互联网以及传统的融资模式,对整个商业银行发展相关衍生性,给予充分的补充。对于经济发展较为先进的国家进行考察。金融市场的创新就是来自于金融工具的改进一种新的支付制度,对于原有资金的中介作用的影响。 The development of the Internet has greatly promoted the development of the financial model. Through the brief analysis of the current Internet financial model, combined with the development of the traditional financing model, thus expanding the current Internet financial model, the current impact on China’s commercial banks, summed up the relevant opinions. The use of this Internet finance approach, the integration of the Internet and traditional financing models, the development of the entire commercial bank derivatives, to fully complement. For countries with more advanced economic development. Financial market innovation comes from the improvement of financial instruments, a new payment system, the intermediary role of the original funds.