互联网金融外文文献翻译 2.docx
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外文出处:
DeBonisR,SilvestriniA.Internetfinanceanditsinfluenceontraditionalbanking[J].AppliedFinancialEconomics,2016,3(5):
409-425.
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