互联网金融商业银行中英文对照外文翻译文献.docx
- 文档编号:4867396
- 上传时间:2022-12-11
- 格式:DOCX
- 页数:11
- 大小:29.38KB
互联网金融商业银行中英文对照外文翻译文献.docx
《互联网金融商业银行中英文对照外文翻译文献.docx》由会员分享,可在线阅读,更多相关《互联网金融商业银行中英文对照外文翻译文献.docx(11页珍藏版)》请在冰豆网上搜索。
互联网金融商业银行中英文对照外文翻译文献
互联网金融商业银行中英文对照外文翻译文献
(文档含英文原文和中文翻译)
原文:
InternetFinance'sImpactonTraditionalFinance
Abstract
AstheadvancesinmoderninformationandInternettechnology,especiallythedevelopofcloudcomputing,bigdata,mobileInternet,searchenginesandsocialnetworks,profoundlychange,evensubvertmanytraditionalindustries,andthefinancialindustryisnoexception.Inrecentyears,financialindustryhasbecomethemostfar-reachingareainfluencedbyInternet,aftercommercialdistributionandthemedia.ManyInternet-basedfinancialservicemodelshaveemerged,andhavehadaprofoundandhugeimpactontraditionalfinancialindustries."Internet-Finance"haswinthefocusofpublicattention.
Internet-Financeislowcost,highefficiency,andpaysmoreattentiontotheuserexperience,andthesefeaturesenableittofullymeetthespecialneedsoftraditional"longtailfinancialmarket",toflexiblyprovidemoreconvenientandefficientfinancialservicesanddiversifiedfinancialproducts,togreatlyexpandthescopeanddepthoffinancialservices,toshortenthedistancebetweenpeoplespaceandtime,andtoestablishanewfinancialenvironment,whicheffectivelyintegrateandtakeuseoffragmentedtime,information,capitalandotherscatteredresources,thenadduptoformascale,andgrowanewprofitpointforvariousfinancialinstitutions.Moreover,withthecontinuouspenetrationandintegrationintraditionalfinancialfield,Internet-Financewillbringnewchallenges,butalsoopportunitiestothetraditional.Itcontributetothetransformationofthetraditionalcommercialbanks,compensateforthelackofefficiencyinfundingprocessandinformationintegration,andprovidenewdistributionchannelsforsecurities,insurance,fundsandotherfinancialproducts.FormanySMEs,Internet-Financeextendtheirfinancingchannels,reducetheirfinancingthreshold,andimprovetheirefficiencyinusingfunds.However,thecross-industrynatureoftheInternetFinancedeterminesitsriskfactorsaremorecomplex,sensitiveandvaried,andthereforewemustproperlyhandletherelationshipbetweeninnovativedevelopmentandmarketregulation,industryself-regulation.
KeyWords:
InternetFinance;CommercialBanks;Effects;Regulatory
1Introduction
ThecontinuousdevelopmentofInternettechnology,cloudcomputing,bigdata,agrowingnumberofInternetapplicationssuchassocialnetworksforthebusinessdevelopmentoftraditionalindustryprovidesastrongsupport,thelevelofpenetrationoftheInternetonthetraditionalindustry.Theendofthe20thcentury,MicrosoftchairmanBillGates,whodeclared,"thetraditionalcommercialbankwillbecomethenewcenturydinosaur".Nowadays,withthedevelopmentoftheInternetelectronicinformationtechnology,wereallyfeltthistrend,mobilepayment,electronicbankalreadyoccupiestheimportantpositioninourdailylife.
DuetotheconceptoftheInternetfinancialalmostentirelyfromthebusinesspractices,thereforethepresentstudyfocusedonthediscussion.Internetfinancialspecificmode,andtheinfluenceoftraditionalfinancialindustryanalysisandcountermeasuresarelackofsystemicresearch.Internethasalwaysbeenakeybattlegroundinriskinvestment,andfinancialindustryisthethinkingmodeofinnovativeexperimentalvariousbusinessmodelsemergeinendlessly,soitisdifficulttouseafixedsetofthinkingtoclassificationanddefinition.ThemutualpenetrationandintegrationofInternetandfinancial,isareflectionoftechnicaldevelopmentandmarketrulesrequirements,isanirreversibletrend.TheInternetbringtraditionalfinancialisnotonlyalowcostandhighefficiency,moreisakindofinnovativethinkingmodeandunremittingpursuitoftheuserexperience.Thetraditionalfinancialindustrytoactivelyrespondto.Internetfinancial,forsuchavastblueoceanenoughtochangetheworld,itisveryworthyofattentiontostraightenoutitsdevelopment,fromtheexistingbusinessmodeltoitsdevelopmentprospects.
"Internetfinancial"belongstothelatestformatsform,discussestheInternetfinancialresearchofliterature,butthelackofsystemicandmorepractical.SothisarticleaccordingtothecharacteristicsoftheInternetindustrypracticalstronger,theseveralbusinessmodelsonthemarketforsummaryanalysis,andthetraditionalfinancialindustryhowtoactivelyrespondtotheInternetwaveoffinancialanalysisandSuggestionsaregiven,withstrongpracticalsignificance.
2Internetfinancialbackground
InternetfinancialplatformbasedonInternetresources,onthebasisofthebigdataandcloudcomputingnewfinancialmodel.InternetfinancewiththehelpoftheInternettechnology,mobilecommunicationtechnologytorealizefinancing,paymentandinformationintermediarybusiness,isatraditionalindustryandmoderninformationtechnologyrepresentedbytheInternet,mobilepayment,cloudcomputing,datamining,searchenginesandsocialnetworks,etc.)Producedbythecombinationofemergingfield.WhetherfinancialortheInternet,theInternetisjustthedifferenceonthestrategic,thereisnostrictdefinitionofdistinction.AsthefinancialandthemutualpenetrationandintegrationoftheInternet,theInternetfinancialcanreferallthroughtheInternettechnologytorealizethefinancingbehavior.InternetfinancialistheInternetandthetraditionalfinancialproductofmutualinfiltrationandfusion,thenewfinancialmodelhasaprofoundbackground.TheemergenceoftheInternetfinancialisacravingforcostreductionistheresultofthefinancialsubject,isalsoinseparablefromtherapiddevelopmentofmoderninformationtechnologytoprovidetechnicalsupport.
2.1Demandsfactors
Traditionalfinancialmarketsthereareseriousinformationasymmetry,greatlyimprovethetransactionrisk.Exhibitiongraduallychangedpeople'sspendinghabits,moreandmorehightotherequirementofserviceefficiencyandexperience;Inaddition,risingoperatingcosts,tostimulatethefinancialmainbody'sthirstforfinancialinnovationandreform;Thispulledbydemandfactors,becometheInternetfinancialproducepowerfulinnerdrivingforce.
2.2Supplydrivingfactor
Datamining,cloudcomputingandInternetsearchengines,suchasthedevelopmentoftechnology,financialandinstitutionaltechnologyplatform.Innovation,enterpriseprofit-drivenmixedmanagement,etc.,forthetransformationoftraditionalindustryandInternetcompaniesofferedfinancialsectorpenetrationmay,forthebirthanddevelopmentoftheInternetfinancialexternaltechnicalsupport,becomeakindofexternalizationofconstitution.IntheInternet"openness,equality,cooperation,share"platform,third-partyfinancingandpayment,onlineinvestmentfinance,creditevaluationmodel,notonlymakesthetraditionalpatternoffinancialmarketswillbegreatchangeshavetakenplace,andmoderninformationtechnologyismoreeasilytoservevariousfinancialentities.Forthetraditionalfinancialinstitutions,especiallyinthebanking,securitiesandinsuranceinstitutions,moreopportunitiesthanthecrisis,developmentisbetterthanachallenge.
3Internetfinancialconstitutethemainbody
3.1Capitalproviders
BetweenInternetfinancialcomprehensive,itscapitalprovidersincludenotonlythetraditionalfinancialinstitutions,includingpenetratingintotheInternet.Intermsofthecurrentmarketstructure,thetraditionalfinancialsectormainlyincludecommercialBanks,securities,insurance,fundandsmallloancompanies,mainlyincludesthepartoftheInternetcompaniesandemergingsubject,suchastheamazon,andsomechannelsonInternetforthecompany.Thesecompaniesisnotonlytheprovidersofcapitalmarket,butalsotoomanytraditionalso-called"lownetworthclients"suppliersoffundsintothemarket.Inoperationform,theformermainlythroughtheInternet,tothetraditionalbusinessexternalization,thelattermainlythroughInternetchannelstopenetratebusiness,bothexternalizationandpenetration,boththroughtheInternetchanneltoachievethefinancialbusinessinnovationandreform.
3.2Capitaldemanders
Internetfinancialmodeofcapitaldemandersalthoughthereisnobreakthroughinthetraditionalgovernment,enterpriseandindividual,butonthebenefithasgreatlychanged.IntheriseanddevelopmentoftheInternetfinancial,especiallyInternetcompaniestoenterthethresholdofmadeinthetraditionalfinancialinstitutions,relativelyweakgroupsandindividualdemanders,haveamoreconvenientandefficientaccesstocapital.Asaresult,theInternetbroughtaboutbytheuniversalityandinclusivefinancialbetterthantheprevioustraditionalfinancialpattern.
3.3Intermediaries
Internetfinancialrelyonefficientandconvenientinformationtechnology,greatlyreducesthefinancialmarketsisthewronginformation.DockingdirectlythroughInternet,accordingtobothparties,transactioncostisgreatlyreduced,sotheInternetfinancemainbodyforthedependenceoftheintermediaryinstitutionsdecreasedsignificantly,butdoesnotmeanthattheInternetfinancialmarkets,thereisnointermediaryinstitutions.IntermsofthedevelopmentoftheInternetfinancialsituationatpresentstage,thethird-partypaymentplatformplaysanintermediaryroleinthisfield,notonlyACTSasafinancialsettlementplatform,butalsotothecapitalsupplyanddemandoftheintegrationofupstreamanddownstreamlinkmulti-faceted,inmeetthefundstopayatthesametime,havetheeffectofcapitalallocation.Especiallyinthefieldofelectroniccommerce,thisfunctionismoreobvious.
3.4Largefinancialdata
Bigfinancialdatacollectionreferstothevastamountsofunstruct
- 配套讲稿:
如PPT文件的首页显示word图标,表示该PPT已包含配套word讲稿。双击word图标可打开word文档。
- 特殊限制:
部分文档作品中含有的国旗、国徽等图片,仅作为作品整体效果示例展示,禁止商用。设计者仅对作品中独创性部分享有著作权。
- 关 键 词:
- 互联网 金融 商业银行 中英文 对照 外文 翻译 文献