资源描述:
《互联网金融对传统金融业的影响外文文献翻译》由会员上传分享,免费在线阅读,更多相关内容在应用文档-天天文库。
1、-.文献出处:Ramsey;Labored.InternetFinance'sImpactonTraditionalFinance[J].TheJournalofInternationalFinance,2014,16(2):31-49.原文InternetFinance'sImpactonTraditionalFinanceRamsey;Labored.AbstractAstheadvancesinmoderninformationandInternettechnology,especiallythedevel
2、opofcloudputing,bigdata,mobileInternet,searchenginesandsocialnetworks,profoundlychange,evensubvertmanytraditionalindustries,andthefinancialindustryisnoexception.Inrecentyears,financialindustryhasbeethemostfar-reachingareainfluencedbyInternet,aftermercialdistr
3、ibutionandthemedia.ManyInternet-basedfinancialservicemodelshaveemerged,andhavehadaprofoundandhugeimpactontraditionalfinancialindustries."Internet-Finance"haswinthefocusofpublicattention.Internet-Financeislowcost,highefficiency,andpaysmoreattentiontotheuserexp
4、erience,andthesefeaturesenableittofullymeetthespecialneedsoftraditional"longtailfinancialmarket",toflexiblyprovidemoreconvenientandefficientfinancialservicesanddiversifiedfinancialproducts,togreatlyexpandthescopeanddepthoffinancialservices,toshortenthedistanc
5、ebetweenpeoplespaceandtime,andtoestablishanewfinancialenvironment,whicheffectively.word.zl.-.integrateandtakeuseoffragmentedtime,information,capitalandotherscatteredresources,thenadduptoformascale,andgrowanewprofitpointforvariousfinancialinstitutions.Moreover
6、,withthecontinuouspenetrationandintegrationintraditionalfinancialfield,Internet-Financewillbringnewchallenges,butalsoopportunitiestothetraditional.Itcontributetothetransformationofthetraditionalmercialbanks,pensateforthelackofefficiencyinfundingprocessandinfo
7、rmationintegration,andprovidenewdistributionchannelsforsecurities,insurance,fundsandotherfinancialproducts.FormanySMEs,Internet-Financeextendtheirfinancingchannels,reducetheirfinancingthreshold,andimprovetheirefficiencyinusingfunds.However,thecross-industryna
8、tureoftheInternetFinancedeterminesitsriskfactorsaremoreplex,sensitiveandvaried,andthereforewemustproperlyhandletherelationshipbetweeninnovativedevelopmentandmarketregulation,industryself-