互联网金融外文文献翻译 2.pdf
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1、外文出处:De Bonis R,Silvestrini A.Internet finance and its influence on traditional banking J.Applied Financial Economics,2016,3(5):409-425.原文Internet finance and its influence on traditional banking De Bonis R,Silvestrini AAbstr actsWith the rapid development of information technology,Internet financia
2、l model gradually rise.This paper summarizes the Internet financial model on the basis of the concept,features and functions of Internet financial model in strategy,customer channels,financing,pricing and financial disintermediation of the impact of the traditional commercial bank.This paper argues
3、that Internet financial model in the short term will not stand in the way of commercial banks traditional business model and profit,but in the long term commercial Banks should use of the Internet financial model,in order to obtain the new development.At the same time,the sustained and healthy devel
4、opment of the Internet industry to rely on Internet financial enterprise self-discipline,positive innovation,but also attract more customers,strengthen the construction of system security.Key wor ds:Financial innovation;Internet financial;Financial disintermediationAt present,mobile payment,online b
5、anking,mobile banking and financial business in Chinas booming financial innovations such as cloud,thus formed a new kind of financial model-the Internet finance.Big data era and brand creation,spread to the development of financial institutions is both a challenge and opportunity.Along with the dev
6、elopment of the Internet financial,emerging Internet traditional financial companies and financial institutions will be a fierce competition,the future may even change the traditional financial management mode and operation pattern.The Inter net financial concepts,features and functions The concept
7、of the Inter net financial.After years of development,Internet companies stay in business does not providetechnical support to financial institutions and service level,the data accumulated through the depth of mining information,to expand our business to the financial sector,build financial models a
8、nd Internet become the emerging field of combining information technology and capital.Internet financial model is different from indirect financing of commercial bank,it is also different from direct financing capital markets third financial financing model.From the perspective of the financing mode
9、 of Internet financial mode in essence is a kind of direct financing mode.But compared with the traditional mode of direct financing,Internet financing model has a large amount of information,lower transaction costs,high efficiency,etc.Adopt appropriate the Internet finance is a kind of financial mo
10、del in the information age.The author believes that the Internet finance is based on modern information technology in financial activities,with functions of financing,payment and transaction intermediary.The char acter istics of the Inter net financial.Availability of financial resources.Financial e
11、xclusion is defined as:people in the financial system lack a condition in which the share of financial services,including the social vulnerable groups in the lack of ways or methods is close to financial institutions,as well as in the use of financial products or financial services exist difficultie
12、s and obstacles.The current management mode,the traditional commercial Banks unable to efficiently deal with small companies,and part of the individual customers business requirements,lead to the financial exclusion of certain customers.Internet financial mode,the customer can break through the geog
13、raphical restrictions,on the Internet looking for financial resources,alleviate the financial exclusion,enhance the level of social welfare.Trading the relative information.The traditional financing mode,the financial institutions to obtain investment enterprises,especially small micro enterprise in
14、formation cost is higher,income and cost does not match.Internet financial generation and dissemination of information through social network,any enterprise and individual information will contact with other subjects.Both parties to collect information via the Internet,can be more comprehensive unde
15、rstanding of a business or personal financial and credit situation,reduce the information asymmetry.Whenloan default object,Internet financial enterprises through public default and reducing rating information,increase the cost of default.The allocation of resources to mediation.The traditional fina
16、ncing mode,the money supply and demand both sides information often dont match.Capital demanders cant get the money in time to support at the same time,capital suppliers also cant find good investment projects.Internet financial mode,the money supply and demand both sides no longer need the intermed
17、iary institutions such as Banks or exchange set,can be done through the network platform to information screening,matching,pricing and trading,disintermediation effect is obvious.The Inter net financial function.The platform function Financial enterprises establish the platform of network financial
18、via the Internet,customers can choose the suitable financial products,just move your fingers,which can carry out payment,loan,investment,financial activities,such as convenient and quick,from running errands,and waiting for customer.The allocation of resources(i.e.,financing)function.Internet financ
19、ial is essentially a way of direct financing.Internet financial mode,we can easily check counterparty transaction records;To find the right risk management tools and risk diversification;In-depth analysis the data by information technology,comprehensive and in-depth master competitors information,im
20、prove the efficiency of resource allocation.As the Internet financial model,the concept of since the financial arises at the historic moment.3,payment function.Internet financial mode,between merchants and customers to pay by a third party to complete,convenient,efficient,lower cost.The third party
21、payment or will weaken the commercial bank,the status of the traditional payment platform.At present,the peoples bank of China for about 200 third-party payment companies issued payment business license.In 2012,our country third party online payment market size of 3.8 trillion.Information gathering
22、and processing.Traditional financial mode,the information resources dispersed,confused data is difficult to effectively handle the application.Internet financial mode,people use cloud computing principle,information asymmetry,the pyramid can be flattened,realize the standardization ofdata,structured
23、,increasing the service efficiency of the data.Second,the Internets influence on the traditional commercial banking financial mode to review the financial strategy,to adapt to the challenges of the Internet financial model.The emergence of the Internet financial model for small and medium-sized bank
24、 provides an opportunity to compete with the big Banks.If you can make good use of this model,the positive innovation,will catch up with the big Banks in some emerging business,the formation of competitiveness.Traditional banking may be because of the Internet financial model change in the competiti
25、ve landscape.Some Internet companies have not satisfy only do third-party online payment platform,but with the advantages of data accumulation and information mining,directly to the supply chain,small micro enterprise credit financing expansion,the future may impact the core of the traditional banki
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