：最近几年，互联网金融如雨后春笋般快速发展起来，这对我 国传统商业银行的发展来说是把双刃剑，虽然商业银行的发展会面临 一定的风险与危机，但是如何处理风险并有效化解危机，这可以有效 提高商业银行的综合竞争力。 论文在研究的过程中使用的研究方法未对比与定量分析，在对当 下我国互联网金融的发展趋势进行分析，从而发现了我国互联网金融 发展迅猛，对相关行业造成了一定的影响。通过研究发现互联网金融 与商业银行之间的不仅仅是竞争，还存在一定的合作关系。本文论述 了互联网金融对商业银行发展的影响，需要在互联网金融对市场的影 响下，不断调整自身的战略进行应对，从而确保自身的发展。因此， 本文以光大银行D分行为典型案例，以发展战略为主线，对现状进行 总结概括。论文对光大银行D分行当前发展战略进行研究，在了解了 其发展战略的前提之上，从竞争战略，合作战略，全球化战略，复合 型人才培养战略最，低成本战略以及大数据战略这六个战略与完善基 础建设，构建违约机制，设定数据安全机制，发挥人力资源这四项机 制规划光大银行D分行的未来发展之路，特别是应对互联网金融对光 大银行D分行发展的影响。 关键词：互联网金融；商业银行；发展战略 III Research on the Development Strategy of China Everbright Bank D Branch under the Background of Internet Finance Han Sinuan (MBA) Directed by Huang Jianmei Abstract: In recent years, Internet finance has mushroomed and developed rapidly. This is a double-edged sword for the development of traditional commercial banks in China. Although the development of commercial banks will face certain risks and crises, how to deal with risks and effectively resolve the crisis This can effectively improve the comprehensive competitiveness of commercial banks. The research methods used in the research process are not compared and quantitative analysis. In the analysis of the current development trend of China's Internet finance, it is found that China's Internet finance is developing rapidly and has a certain impact on related industries. Through research, it is found that there is not only competition between Internet finance and commercial banks, but also a certain cooperative relationship. This paper discusses the impact of Internet finance on the development of commercial banks. It is necessary to constantly adjust its own strategy to cope with the impact of Internet finance on the market, so as to ensure its own development. Therefore, this paper summarizes the status quo with the development strategy as the main line and the typical IV case of the D-branch behavior of China Everbright Bank. The paper studies the current development strategy of China Everbright Bank D Branch, and understands the premise of its development strategy, from competition strategy, cooperation strategy, globalization strategy, compound talent training strategy, low cost strategy and big data strategy. One strategy and perfect infrastructure, build a default mechanism, set up a data security mechanism, and use the four mechanisms of human resources to plan the future development of Everbright Bank D Branch, especially the impact of Internet finance on the development of Everbright Bank D Branch.