随着互联网商业性应用的不断开发，互联网金融在我国迅速发展起来。通过大数据、云计算等互联网技术，传统的资金融通打破了时间、空间的限制，大大节省了各项中间交易成本。一方面，传统金融机构的资金中介作用受到了互联网金融的冲击；另一方面，互联网所具有的大数据平台优势解决了小微企业信贷过程中出现的信息不对称问题。小额信贷、小微贷等形式的互联网金融产品相继上市，网络融资行为越来越普遍。“互联网+”时代，我国商业银行小微企业信贷模式创新将面临新的机遇与挑战。%With the development of Internet business applications, the Internet finance has developed rapidly in China. Through big data, cloud computing and other Internet technology, Internet finance helps the traditional finance break the limit of time and space, which greatly reduces the intermediary cost. On the one hand, the role of financial intermediaries of traditional financial institutions has been gradually weakened;on the other hand, big data technology could solve the information asymmetry problem for small micro enterprises. Small micro-loans and other financial products in the form of the Internet have sprung up, and Internet financing behavior becomes more common. China’s commercial banks will face new oppor-tunities and challenges during their innovation in the Internet plus era.
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