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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,especiallythedevelopofcloudcomputing,big
2、data,mobileInternet,searchenginesandsocialnetworks,profoundlychange,evensubvertmanytraditionalindustries,andthefinancialindustryisnoexception.Inrecentyears,financialindustryhasbecomethemostfar-reachingareainfluencedbyInternet,aftercommercialdistributionandthemedia.ManyInternet-b
3、asedfinancialservicemodelshaveemerged,andhavehadaprofoundandhugeimpactontraditionalfinancialindustries."Internet-Finance"haswinthefocusofpublicattention.Internet-Financeislowcost,highefficiency,andpaysmoreattentiontotheuserexperience,andthesefeaturesenableittofullymeetthespecial
4、needsoftraditional"longtailfinancialmarket",toflexiblyprovidemoreconvenientandefficientfinancialservicesanddiversifiedfinancialproducts,togreatlyexpandthescopeanddepthoffinancialservices,toshortenthedistancebetweenpeoplespaceandtime,andtoestablishanewfinancialenvironment,whichef
5、fectivelyintegrateandtakeuseoffragmentedtime,information,capitalandotherscatteredresources,thenadduptoformascale,andgrowanewprofitpointforvariousfinancialinstitutions.Moreover,withthecontinuouspenetrationandintegrationintraditionalfinancialfield,Internet-Financewillbringnewchall
6、enges,butalsoopportunitiestothetraditional.Itcontributetothetransformationofthetraditionalcommercialbanks,compensateforthelackofefficiencyinfundingprocessandinformationintegration,andprovidenewdistributionchannelsforsecurities,insurance,fundsandotherfinancialproducts.FormanySMEs
7、,Internet-Financeextendtheirfinancingchannels,reducetheirfinancingthreshold,andimprovetheirefficiencyinusingfunds.However,thecross-industrynatureoftheInternetFinancedeterminesitsriskfactorsaremorecomplex,sensitiveandvaried,andthereforewemustproperlyhandletherelationshipbetweenin
8、novativedevelopmentandmarketregulation,industry
