中文摘要：

随着互联网金融时代的来临，传统商业银行及互联网企业正在加速推进互联网金融业务。笔者首先论证了城市商业银行发展互联网金融业务的必要性与可行性；然后以长沙银行自我转型升级为例，分别从客户群体、产品设计、渠道建设等方面研究了城市商业银行在互联网金融背景下的转型与创新思路；最后，为了应对未来更加复杂的金融环境，提出了一种基于大数据分析的网络银行体系结构。

英文摘要：

With the advent of the era of internet banking, traditional commercial banks and internet companies are accelerating the internet financial business. Taking Hunan＇ s market as an example, this paper discusses the necessity and feasibility of the development of internet banking business of city commercial banks; taking BCS （ Bank of Changsha） ＇ transforma- tion and upgrading as an example, from the aspects of customer groups, product design, channel construction and so on to study the transformation of city commercial banks in the context of internet banking and innovation; finally, in or der to cope with the future of more complex financial environment, this paper also proposes a network banking system structure based on big data analysis.