互联网大数据金融中英文对照外文翻译文献

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2024年6月25日发(作者：)

互联网大数据金融中英文对照外文翻译文献

互联网大数据金融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：

Internet Finance's Impact on Traditional Finance

Abstract

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 traditional 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-based 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, and pays more

attention to the user experience, and these features enable it to

fully meet the special needs of traditional "long tail financial

market", to flexibly provide more convenient and efficient

financial services 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 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 penetration 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, compensate

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 extend 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, sensitive and varied,

and therefore we must properly handle the relationship between

innovative development and market regulation, industry self-

regulation.

Key Words：Internet Finance; Commercial Banks; Effects;

Regulatory

1 Introduction

The continuous development of Internet technology, cloud

computing, big data, a growing number of Internet applications

such as social networks for the business development of

traditional industry provides a strong support, the level of

penetration of the Internet on the traditional industry. The end

of the 20th century, Microsoft chairman Bill Gates, who declared,

"the traditional commercial bank will become the new century

dinosaur". Nowadays, with the development of the Internet

electronic information technology, we really felt this trend,

mobile payment, electronic bank already occupies the important

position in our daily life.

Due to the concept of the Internet financial almost entirely

from the business practices, therefore the present study focused

本文标签： 金融外文文档翻译