中文摘要：

近年来互联网金融蓬勃发展，互联网大数据技术在融资领域的应用模式主要有以阿里金融为代表的电商融资平台、以美国的Kabbage为代表的第三方电商融资平台、以中国建设银行善融商务为代表的自建电商金融服务平台等。商业银行应当通过自建电商平台、与电商平台合作、拓展互联网大数据来源、研究大数据挖掘技术、招聘培养专业人才以及倡导互联网精神等方面应对互联网金融挑战。

英文摘要：

With the vigorous development of internet in recent years, online big data technology has been widely used in financing field, mainly through E-business platform like Alibaba Finance, third-party E-business platform like Kabbage, and self-built E-business platform like e.ccb of China Construction Bank, etc. In order to meet the challenges of the online finance, commercial banks should build E-business platform, cooperate with E-business platform, expand the internet database sources, analyze big data mining technology, recruit and train professionals, and advocate the spirit of internet.