互联网金融外文文献翻译.docx
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互联网金融外文文献翻译.docx
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外文出处:
DeBonisR,SilvestriniA.Internetfinanceanditsinfluenceontraditional banking[J].AppliedFinancialEconomics,2016,3(5):
409-425.
原文
Internetfinanceanditsinfluenceontraditionalbanking
DeBonisR,SilvestriniA
Abstracts
With therapiddevelopmentofinformationtechnology,Internetfinancialmodelgraduallyrise.ThispapersummarizestheInternetfinancialmodelonthebasisoftheconcept,featuresandfunctionsofInternetfinancialmodelinstrategy,customerchannels,financing,pricingandfinancialdisintermediationoftheimpactofthetraditionalcommercialbank.ThispaperarguesthatInternetfinancialmodelintheshorttermwillnotstandinthewayofcommercialbank'straditionalbusinessmodelandprofit,butinthelongtermcommercialBanksshoulduseoftheInternetfinancialmodel,inordertoobtainthenewdevelopment.Atthesametime,thesustainedandhealthydevelopmentoftheInternetindustrytorelyonInternetfinancialenterpriseself-discipline,positiveinnovation, butalsoattractmorecustomers,strengthentheconstructionofsystemsecurity.
Key words:
Financialinnovation;Internetfinancial;Financialdisintermediation
At present,mobilepayment,onlinebanking,mobilebankingandfinancialbusinessinChina'sboomingfinancialinnovationssuchascloud,thusformedanewkindoffinancialmodel--theInternetfinance.Bigdataeraandbrandcreation,spreadtothedevelopmentoffinancialinstitutionsisbothachallengeandopportunity.AlongwiththedevelopmentoftheInternetfinancial,emergingInternettraditionalfinancialcompaniesandfinancialinstitutionswillbeafiercecompetition,thefuturemayevenchangethetraditionalfinancialmanagementmodeandoperationpattern.
TheInternetfinancialconcepts,featuresandfunctions
TheconceptoftheInternetfinancial.
After yearsofdevelopment,Internetcompaniesstayinbusinessdoesnotprovidetechnicalsupporttofinancialinstitutionsandservicelevel,thedataaccumulatedthroughthedepthofmininginformation,toexpandourbusinesstothefinancialsector,buildfinancialmodelsandInternetbecometheemergingfieldofcombininginformationtechnologyandcapital.Internetfinancialmodelisdifferentfromindirectfinancingofcommercialbank,itisalsodifferentfromdirectfinancingcapitalmarket'sthirdfinancialfinancingmodel.FromtheperspectiveofthefinancingmodeofInternetfinancialmodeinessenceisakindofdirectfinancingmode.Butcomparedwiththetraditionalmodeofdirectfinancing,Internetfinancingmodelhasalargeamountofinformation,lowertransactioncosts,highefficiency,etc.AdoptappropriatetheInternetfinanceisakindoffinancialmodelintheinformationage.TheauthorbelievesthattheInternetfinanceisbasedonmoderninformationtechnologyinfinancialactivities,withfunctionsoffinancing,paymentandtransactionintermediary.
ThecharacteristicsoftheInternetfinancial.
Availability offinancialresources.Financialexclusionisdefinedas:
peopleinthefinancialsystemlackaconditioninwhichtheshareoffinancialservices,includingthesocialvulnerablegroupsinthelackofwaysormethodsisclosetofinancialinstitutions,aswellasintheuseoffinancialproductsorfinancialservicesexistdifficultiesandobstacles.Thecurrentmanagementmode,thetraditionalcommercialBanksunabletoefficientlydealwithsmallcompanies,andpartoftheindividualcustomer'sbusinessrequirements,leadtothefinancialexclusionofcertaincustomers.Internetfinancialmode,thecustomercanbreakthroughthegeographicalrestrictions,ontheInternetlookingforfinancialresources,alleviatethefinancialexclusion,enhancethelevelofsocialwelfare.
Trading therelativeinformation.Thetraditionalfinancingmode,thefinancialinstitutionstoobtaininvestmententerprises,especiallysmallmicroenterpriseinformationcostishigher,incomeandcostdoesnotmatch.Internetfinancialgenerationanddisseminationofinformationthroughsocialnetwork,anyenterpriseandindividualinformationwillcontactwithothersubjects.BothpartiestocollectinformationviatheInternet,canbemorecomprehensiveunderstandingofabusinessorpersonalfinancialandcreditsituation,reducetheinformationasymmetry.Whenloandefaultobject,Internetfinancialenterprisesthroughpublicdefaultandreducingratinginformation,increasethecostofdefault.
The allocationofresourcestomediation.Thetraditionalfinancingmode,themoneysupplyanddemandbothsidesinformationoftendon'tmatch.Capitaldemanderscan'tgetthemoneyintimetosupportatthesametime,capitalsuppliersalsocan'tfindgoodinvestmentprojects.Internetfinancialmode,themoneysupplyanddemandbothsidesnolongerneedtheintermediaryinstitutionssuchasBanksorexchangeset,canbedo
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