Abstract: Along with the rising of Internet finance in recent years, there appeared new ways of financing such as Ali small loans and new modes of payment such as twodimensional code payment, which appeared and developed very rapidly. All these must impose great impact on the business of commercial banks, especially the credit and payment business of credit card. The impact of these Internet consumer credit and new modes of Internet payment imposed on credit card business, as well as the inspiration from the development of Internet finance for credit card business are described.

Key words: Internet finance, credit card, impact, inspiration

摘要： 随着互联网金融的崛起，出现了新型的融资方式如阿里小贷以及新型的支付方式如二维码支付，并且发展迅速，必然对商业银行的业务特别是信用卡信贷以及支付业务形成较大的影响。论述互联网消费信贷以及新型的互联网支付对信用卡业务形成的影响以及参照互联网金融的发展给信用卡业务的启示。

关键词: 互联网金融, 信用卡业务, 影响, 启示