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近期，以余额宝、人人贷为代表的各类互联网金融业务快速发展，成为财经类媒体的热点话题。本文对新型网络金融业务在我国的发展情况和对商业银行的影响进行了研究，并综合考虑业务涉及主体的广泛性和对金融秩序与社会稳定的影响等因素，重点分析余额宝业务和网络信贷平台的发展情况和风险状况。
<<With the rapid development of the balance of treasure and P2P，Internet financial services have become a hot financial media recently. This paper analyses the development of internet financial services in China and its impact on commercial banks. Considering the breadth of the business and impact on financial order and social stability，this paper focuses on the business and the network of credit balances treasure and P2P.
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