互联网金融模式的出现，不仅给金融业带来了极大的创新空间，也改变了现有的金融生态。它对商业银行的六大主要业务，包括负债业务、资产业务、中间业务、网点服务、信用卡业务以及银联业务形成了重大冲击，但并未改变金融的本质。同时，互联网金融创新模式也对消费者群体的消费决策和行为模式产生了巨大影响。%The emergence of the Internet financial model not only brings about great innovation space for the fi-nancial industry, but changes the existing financial ecology as well. It has a major effect on the six main business of commercial banks, including liability business, asset business, intermediary business, network services, credit card business and Union Pay business. In spite of this, it does not change the nature of finance. Natural-ly, the Internet financial innovation model exerts a huge impact on consumer groups’ consumption decision-making and behavior patterns. .
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