现代科技信息技术的进步推进了金融模式的信息化发展,互联网金融模式应运而生并蓬勃发展,这种新型的金融模式方便、快捷、发展速度快,给传统的金融模式造成一定的威胁,国有的商业银行应如何处理互联网金融给银行带来的危机和挑战进一步稳定发展势在必行。文章首先对互联网金融进行了阐述,其次介绍了这种新的金融模式给国有的商业银行所带来的危机和挑战,最后对商业银行如何应对和解决这些危机进行了分析。 The advancement of modern science and technology and information technology has promoted the informatization development of the financial mode. The internet financial mode has emerged and flourished. This new type of financial mode is convenient, fast and fast developing. It poses a certain threat to the traditional financial mode. How to deal with the crisis that the internet finance brings to the bank and the challenge to further steady development is imperative. The article first elaborates internet finance, then introduces the crisis and challenge brought by this new financial model to the state-owned commercial banks, and finally analyzes how commercial banks deal with and resolve these crises.