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1、文献出处:Ramsey;Labored.InternetFinance'sImpactonTraditionalFinance[J].TheJournalofInternationalFinance,2014,16(2):31-49.原文InternetFinance'sImpactonTraditionalFinanceRamsey;Labored.AbstractAstheadvancesinmoderninformationandInternettechnology,especiallythedevelopofc
2、loudcomputing,bigdata,mobileInternet,searchenginesandsocialnetworks,profoundlychange,evensubvertmanytraditionalindustries,andthefinancialindustryisnoexception.Inrecentyears,financialindustryhasbecomethemostfar-reachingareainfluencedbyInternet,aftercommercialdist
3、ributionandthemedia.ManyInternet-basedfinancialservicemodelshaveemerged,andhavehadaprofoundandhugeimpactontraditionalfinancialindustries."Internet-Finance"haswinthefocusofpublicattention.Internet-Financeislowcost,highefficiency,andpaysmoreattentiontotheuserexper
4、ience,andthesefeaturesenableittofullymeetthespecialneedsoftraditional"longtailfinancialmarket",toflexiblyprovidemoreconvenientandefficientfinancialservicesanddiversifiedfinancialproducts,togreatlyexpandthescopeanddepthoffinancialservices,toshortenthedistancebetw
5、eenpeoplespaceandtime,andtoestablishanewfinancialenvironment,whicheffectivelyintegrateandtakeuseoffragmentedtime,information,capitalandotherscatteredresources,thenadduptoformascale,andgrowanewprofitpointforvariousfinancialinstitutions.Moreover,withthecontinuousp
6、enetrationandintegrationintraditionalfinancialfield,Internet-Financewillbringnewchallenges,butalsoopportunitiestothetraditional.Itcontributetothetransformationofthetraditionalcommercialbanks,compensateforthelackofefficiencyinfundingprocessandinformationintegrati
7、on,andprovidenewdistributionchannelsforsecurities,insurance,fundsandotherfinancialproducts.FormanySMEs,Internet-Financeextendtheirfinancingchannels,reducetheirfinancingthreshold,andimprovetheirefficiencyinusingfunds.However,thecross-industrynatureoftheInternetFi
8、nancedeterminesitsriskfactorsaremorecomplex,sensitiveandvaried,andthereforewemustproperlyhandletherelationshipbetweeninnovativedevelopmentandmarketregulation,industry
