互联网金融外文文献翻译 2Word文档格式.docx

互联网金融外文文献翻译 2Word文档格式.docx

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原文

InternetfinanceanditsinfluenceontraditionalbankingDeBonisR,SilvestriniA

Abstracts

With the rapid development of information technology, Internetfinancialmodelgraduallyrise.ThispapersummarizestheInternetfinancialmodelonthebasisoftheconcept, features and functions of Internet financial model instrategy,customerchannels,financing,pricingandfinancialdisintermediationoftheimpactofthetraditionalcommercialbank. ThispaperarguesthatInternetfinancialmodelintheshorttermwillnotstandintheway ofcommercial bank'

s traditional businessmodelandprofit,butinthelongtermcommercialBanksshoulduseoftheInternetfinancialmodel,

inordertoobtainthenewdevelopment.Atthesametime,thesustainedandhealthydevelopment oftheInternetindustrytorelyonInternetfinancialenterpriseself-discipline,positiveinnovation,butalsoattractmorecustomers,strengthentheconstructionofsystemsecurity.

Keywords:

Financialinnovation;

Internetfinancial;

Financialdisintermediation

At present, mobile payment, online banking, mobile banking andfinancialbusinessinChina'

sbooming financialinnovationssuchascloud,thusformedanewkindof financial model -- the Internet finance. Big data era and brandcreation,spreadtothedevelopmentoffinancialinstitutionsisbothachallengeandopportunity.Alongwith the development of the Internet financial, emerging Internettraditionalfinancialcompaniesandfinancialinstitutionswillbeafiercecompetition,the

futuremayevenchangethetraditionalfinancialmanagementmodeandoperationpattern.

TheInternetfinancialconcepts,featuresandfunctions TheconceptoftheInternetfinancial.

Afteryearsofdevelopment,Internetcompaniesstayinbusinessdoesnotprovide

technicalsupporttofinancialinstitutionsandservicelevel,thedataaccumulated through thedepth of mining information, to expand our business tothefinancialsector,buildfinancialmodelsandInternetbecometheemergingfieldofcombininginformationtechnologyandcapital.Internetfinancialmodelisdifferentfromindirectfinancingofcommercial bank, it is also different from directfinancingcapitalmarket'

sthirdfinancialfinancingmodel.Fromthe perspectiveofthe financingmodeofInternet financial mode in essence is a kind of direct financing mode.

Butcomparedwiththetraditionalmodeofdirectfinancing,Internetfinancingmodelhas

alargeamountofinformation,lowertransactioncosts,highefficiency,etc.AdoptappropriatetheInternetfinanceisakindoffinancialmodelintheinformationage.TheauthorbelievesthattheInternetfinanceisbasedonmoderninformationtechnologyinfinancialactivities, withfunctions offinancing, payment andtransactionintermediary.ThecharacteristicsoftheInternetfinancial.

Availabilityoffinancialresources. Financial exclusionisdefinedas:

peopleinthefinancialsystemlackaconditioninwhichthe share of financialservices,includingthesocialvulnerablegroupsinthelackofwaysormethodsisclosetofinancialinstitutions,aswellasintheuseoffinancialproductsorfinancialservicesexist

difficulties andobstacles. Thecurrentmanagement mode,thetraditionalcommercialBanks unabletoefficientlydealwithsmallcompanies,andpartoftheindividualcustomer'

s business requirements, lead to the financial exclusion ofcertaincustomers .Internet financial mode, thecustomer can break through thegeographicalrestrictions, ontheInternetlooking forfinancial resources, alleviatethefinancialexclusion,enhancethelevelofsocialwelfare.

Tradingtherelativeinformation.Thetraditionalfinancingmode,thefinancialinstitutionstoobtaininvestmententerprises,especiallysmallmicroenterpriseinformationcostishigher,incomeandcostdoesnotmatch.Internetfinancialgenerationanddisseminationofinformationthroughsocialnetwork,anyenterpriseandindividualinformationwillcontactwithothersubjects.BothpartiestocollectinformationviatheInternet,canbemorecomprehensiveunderstandingofabusinessorpersonalfinancialandcreditsituation,reducetheinformationasymmetry.When

loandefaultobject,Internetfinancialenterprisesthroughpublicdefaultandreducing ratinginformation,increasethecostofdefault.

Theallocationofresourcestomediation.Thetraditionalfinancingmode,the moneysupplyanddemandbothsidesinformationoftendon'

tmatch.Capitaldemanderscan'

tgetthemoneyintimetosupportatthesametime,capitalsuppliersalsocan'

tfindgoodinvestment projects. Internet financial mode, the moneysupplyanddemandbothsidesnolongerneedtheintermediaryinstitutionssuchasBanksor exchangeset,canbedonethroughthenetworkplat