互联网金融外文文献翻译 2.docx
- 文档编号:49985
- 上传时间:2022-10-01
- 格式:DOCX
- 页数:11
- 大小:24.20KB
互联网金融外文文献翻译 2.docx
《互联网金融外文文献翻译 2.docx》由会员分享,可在线阅读,更多相关《互联网金融外文文献翻译 2.docx(11页珍藏版)》请在冰豆网上搜索。
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
- 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:
- 互联网金融外文文献翻译 互联网 金融 外文 文献 翻译