Abstract: Taking the advantages of the convenience, opening, inclusiveness and refinement, Internet finance brought no small impact on traditional finance. The traditional finance should learn from each other with internet finance through cooperation, harmony and symbiosis and enhance the development of products and services. Depending on the idea and the technology innovation of the enterprises, the governments policy guidance and normative, the rational investors choose to jointly promote.

Key words: internet finance, traditional finance, competition, integration

摘要： 互联网金融以其便捷性、开放性、普惠性、精细化的优势给传统金融带来了不小的冲击，传统金融应通过与互联网金融的合作取长补短，融合共生，实现产品的拓展和服务的提升。这有赖于企业的观念与技术创新、政府的引导与规范以及投资者理性选择的共同推动。

关键词: 互联网金融, 传统金融, 竞争, 融合