互联网金融作为一种新的金融模式，其产生和发展以来，由于大数据、互联网的促进，正改变着整个金融业的模式和形势，并引发金融业的重大变革。互联网金融的特点：方便快捷、低成本、多样化的金融产品，其与传统商业银行的金融业务存在交叉，给传统商业银行带来了新的挑战。在互联网、大数据等信息技术的广泛推动下，新金融体系正在初步形成；传统商业银行面临的威胁不断增加，因此需要顺应当下形势创建新的盈利模式。 在互联网金融与传统商业银行的不断发展中，互联网公司在金融方面日益强大，以阿里巴巴、京东等电商巨头为代表；目前互联网公司的金融规模对传统商业银行的威胁仍在增加，但其自身发展的商业模式上存在的问题也逐渐显露。互联网金融本身的风险性很高，因此互联网公司金融的发展需要关注风险控制这个关键因素。在互联网金融发展的大形势下，传统商业银行引入信息技术则非常必要，与互联网的融合迫切需要加强，从而创建新的盈利模式；互联网公司为了发展，则需要通过完善的体系来进行风险控制；传统商业银行与互联网公司的跨界整合在这种环境下产生，金融业出现明显跨界表现。 互联网金融的跨界表现，实现了互联网公司在支付、融资等方面向金融业务的跨界渗透；传统商业银行也通过与其创造和分享从而产生价值增值，通过网络延展了商业银行的价值链，从而改变了金融格局。如何将跨界深入到传统商业银行的互联网化转型升级与互联网公司的金融发展中，是双方进行跨界整合的关键，本文通过分析双方为实现整合目标处于的现状、内外部环境，来确定各自在跨界整合中可以采取的举措，从而适应新金融模式和形势。本文引入中国建设银行与阿里巴巴的跨界整合案例，研究分析其跨界整合的模式及存在的问题，从而探讨出传统商业银行与互联网公司普适性的跨界整合模式选择，为什么选择这种普适性模式及其优势，并分析实施这种跨界整合模式的条件及实施保障。

As a new financial model, the emergence and development of internet finance has changed the pattern and situation of the entire financial industry owning to the boost of big data and internet, and also triggered significant changes in the financial industry. The characteristics of internet finance: convenient and efficient, low cost and diversified financial products, which has overlap with the financial business of traditional commercial banks, and creating new challenges to the traditional commercial banks. Driven by the extensive promotion of information technology such as internet and big data, the new financial system is initially forming, therefore the traditional commercial banks need to design a new profit model while confronting those severe challenges and threats. During the continuous development of internet finance and traditional commercial banks, Internet Co is becoming more and more powerful in the financial field. It is represented by Alibaba and Jingdong and other e-commerce giants. At present, threats in financial field to traditional commercial banks is still increasing, but the problems in the business model of its own development are gradually revealed. Internet finance itself is highly risky, thus the development of Internet Co finance needs to pay attention to the key factor of risk control. Under the general situation of internet financial development, it is necessary for traditional commercial banks to introduce information technology. The integration with the internet also urgent to be strengthened so as to create a new profit model. The internet Co shall to carry out risk control through a perfect system for further developments; the crossover integration of traditional commercial banks and Internet Co is generated under this environment, and noticeable crossover performance appeared within the financial industry. The crossover performance of internet finance has realized the crossover penetration of Internet Co in payment and financing. The traditional commercial banks also have output and benefit added-value through the creation and sharing, extending the value chain of commercial banks through the network, thus changing the financial structure. The key of crossover integration between the traditional commercial banks and internet Co is the Internet transformation and upgrading of commercial banks and the financial development of the Internet Co. By analyzing the current situation and both internal and external environment of those two sides on achieving the integration goal, this paper determines the measures that able to be mastered in the crossover integration, so as to adapt to the new financial situation and model. This paper introduces the case of crossover integration between China Construction Bank and Alibaba, studied and analyzed the mode and existing problems of its crossover integration, so as to explore the choice of the crossover integration mode of traditional commercial banks and Internet Co, why it chooses this universal model and its advantages, and analyzes the conditions and implementation guarantee for the implementation of the crossover integration model.