互聯(lián)網(wǎng)金融對傳統(tǒng)金融業(yè)的影響外文文獻翻譯

1、文獻出處 文獻出處: Ramsey; Labored. Internet Finance's Impact on Traditional Finance [J]. The Journal of International Finance, 2014, 16(2): 31-49.原文 原文Internet Finance's Impact on Traditional FinanceRamsey; Labored.Abst

2、ract As the advances in modern information and Internet technology, especially the develop of cloud computing, big data, mobile Internet, search engines and social networks, profoundly change, even subvert many tradition

3、al industries, and the financial industry is no exception. In recent years, financial industry has become the most far-reaching area influenced by Internet, after commercial distribution and the media. Many Internet-base

4、d financial service models have emerged, and have had a profound and huge impact on traditional financial industries. “Internet-Finance“ has win the focus of public attention.Internet-Finance is low cost, high efficiency

5、, and pays more attention to the user experience, and these features enable it to fully meet the special needs of traditional “l(fā)ong tail financial market“, to flexibly provide more convenient and efficient financial serv

6、ices and diversified financial products, to greatly expand the scope and depth of financial services, to shorten the distance between people space and time, and to establish a new financial environment, which effectively

7、 integrate and take use of fragmented time, information, capital and other scattered resources, then add up to form a scale, and grow a new profit point for various financial institutions. Moreover, with the continuous p

8、enetration and integration in traditional financial field, Internet-Finance will bring new challenges, but also opportunities to the traditional. It contribute to the transformation of the traditional commercial banks, c

9、ompensate for the lack of efficiency in funding process and information integration, and provide new distribution channels for securities, insurance, funds and other financial products. For many SMEs, Internet-Finance ex

10、tend their financing channels, reduce their financing threshold, and improve their efficiency in using funds. However, the cross-industry nature of the Internet Finance determines its risk factors are more complex, sensi

11、tive financial industry how to actively respond to the Internet wave of financial analysis and Suggestions are given, with strong practical significance.2 Internet financial backgroundInternet financial platform based on

12、 Internet resources, on the basis of the big data and cloud computing new financial model. Internet finance with the help of the Internet technology, mobile communication technology to realize financing, payment and info

13、rmation intermediary business, is a traditional industry and modern information technology represented by the Internet, mobile payment, cloud computing, data mining, search engines and social networks, etc.) Produced by

14、the combination of emerging field. Whether financial or the Internet, the Internet is just the difference on the strategic, there is no strict definition of distinction. As the financial and the mutual penetration and in

15、tegration of the Internet, the Internet financial can refer all through the Internet technology to realize the financing behavior. Internet financial is the Internet and the traditional financial product of mutual infilt

16、ration and fusion, the new financial model has a profound background. The emergence of the Internet financial is a craving for cost reduction is the result of the financial subject, is also inseparable from the rapid dev

17、elopment of modern information technology to provide technical support.2.1 Demands factorsTraditional financial markets there are serious information asymmetry, greatly improve the transaction risk. Exhibition gradually

18、changed people's spending habits, more and more high to the requirement of service efficiency and experience; In addition, rising operating costs, to stimulate the financial main body's thirst for financial innov

19、ation and reform; This pulled by demand factors, become the Internet financial produce powerful inner driving force.2.2 Supply driving factorData mining, cloud computing and Internet search engines, such as the developme

20、nt of technology, financial and institutional technology platform. Innovation, enterprise profit-driven mixed management, etc., for the transformation of traditional industry and Internet companies offered financial sect