互联网金融外文文献翻译 2Word文档格式.docx

1、原文Internetfinanceanditsinfluenceontraditionalbanking De BonisR, SilvestriniAAbstractsWiththerapiddevelopmentofinformationtechnology,Internet financialmodel graduallyrise.ThispapersummarizestheInternetfinancialmodelonthebasisofth econcept,featuresandfunctionsofInternetfinancialmodelin strategy,custom

2、er channels,financing, pricingand financial disintermediation of the impact of the traditional c ommercial bank.This paper a rgues that Inte rnet financ ial m odel in theshort term will not stand in the wayof commercialbankstraditionalbusiness modelandprofit,butinthelongtermcommercialBanksshoulduseo

3、ftheInternetfinancial model,in order to obtain the new development. At the same time, the sustainedandhealthy developmentof the Internet industry to rely on Internet financialenterprises elf- di scipli ne,posit iveinnovat ion,but alsoattrac tmorecustome rs,strengt hentheconstruction ofsystemsecurity

4、.Key words: Financial innovation; Internet financial; FinancialdisintermediationAtpresent,mobilepayment,onlinebanking,mobil ebankingand financ ialbusinessinChinasboomingfinancialinnovationssuchascloud,thusformedanew kind offinancialmodel-theInternetfinance.Bigdataeraandbrand creation,spread tothedev

5、elopmentoffinancialinstitutionsisbothachallengeandopportunity.Alo ngwiththedevelopmentoftheInternetfinancial,emergingInternet traditionalfinancialcompanies and financial institutions will be a fierce competition, thefuture mayeven change thetraditional financial management mode and operationpattern.

6、The Inter net financial concepts, features andfunctionsThe concept of the Inter net financial.After years of development, Internet companies stay in business does not providetechnicalsupporttofinancialinstitutionsandservicelevel,thedataaccumulatedthroughthe depthofmininginformation,toexpandourbusine

7、ssto thefinancial sector,buildfinancialmodelsandInternetbecometheemergingfieldofcombining inf orm ationtechnol ogyandca pital.Internetfina ncialmodelisdiffer entfromindirectfinancing of commercialbank,itisalsodifferentfromdirectfinancing capital marketsthirdfinancialfinancingmodel.Fromtheperspective

8、ofthefinancingmode of Internetfinancialmodeinessenceisakindofdirectfinancingmode.Butcompared withthetraditionalmodeofdirectfinancing,Internetfinancingmodelhasalarge amountofinforma tion,l owertransa ctioncost s,hig heffic iency,et c.Adoptappropria teth e Internet finance is a kind of financial model

9、 in the information age. Theauthor believesthattheInternetfinanceisbasedonmoderninformationtechnologyin financia l activities,with functionsof financing,paymentand transactionintermediary.Thecharacteristicsofthe Internetfinancial.Availabili ty of financia l resources.Financia lexclusi onis defined a

10、s:people inthefinancialsystemlackaconditioninwhichtheshareoffinancial services,includingthesocialvulnerablegroupsinthelackofwaysormethodsisclose tofinancialinstitutions,aswellasintheuseoffinancialproductsorfinancialservicesexistdifficultiesand obstacles.The current managementmode,thetraditionalcom m

11、ercia l Banksunable to effi ciently deal with small comp anies, and part oftheindividual customersbusinessrequirements,leadtothefinancialexclusionof certaincustomers.Internetfinancialmode,the customercanbreakthroughthe geographical restrictions,on the Internet lookingfor financialresources,alleviate

12、 thefinancialexclusion, enhance the level of socialwelfare.Trading the relative information. The traditional financing mode, thefinancial institutionstoobtaininvestmententerprises,especiallysmallmicroenterprise inform ation cost is higher, income and cost does not match. Internetfinancial generation

13、anddisseminationofinformation throughsocial network, any enterpriseandindividualinformationwillcontactwithothersubjects.Bothpartiestocollect inform ation via the Internet, can be more comprehensive understanding of a businessor personal financial and credit situation, reduce the information asymmetr

14、y. Whenloandefault object, Internet financial enterprises through public default and reducingrating information, increase the cost ofdefault.The allocation of resources to mediation. The traditionalfinancing mode, themoney supplyand de mand both s ides inform ationoften dont m atch.Capitaldemanders cant get the money in time to support at the same time, capitalsuppliers also cant find good investmentprojects.Internetfinancialmode,themoney supply anddemandbothsidesnolongerneedtheintermediaryinstitutionssuchasBanksorexch angeset,canbedonethroughthenetworkplat