互联网金融外文文献翻译 2.docx
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互联网金融外文文献翻译 2.docx
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外文出处:
DeBonisR,SilvestriniA.Internetfinanceanditsinfluenceontraditionalbanking[J].AppliedFinancialEconomics,2016,3(5):
409-425.
原文
InternetfinanceanditsinfluenceontraditionalbankingDeBonisR,SilvestriniA
Abstracts
Withtherapiddevelopmentofinformationtechnology,Internetfinancialmodelgraduallyrise.ThispapersummarizestheInternetfinancialmodelonthebasisoftheconcept,featuresandfunctionsofInternetfinancialmodelinstrategy,customerchannels,financing,pricingandfinancialdisintermediationoftheimpactofthetraditionalcommercialbank.ThispaperarguesthatInternetfinancialmodelintheshorttermwillnotstandinthewayofcommercialbank'straditionalbusinessmodelandprofit,butinthelongtermcommercialBanksshoulduseoftheInternetfinancialmodel,inordertoobtainthenewdevelopment.Atthesametime,thesustainedandhealthydevelopmentoftheInternetindustrytorelyonInternetfinancialenterpriseself-discipline,positiveinnovation,butalsoattractmorecustomers,strengthentheconstructionofsystemsecurity.
Keywords:
Financialinnovation;Internetfinancial;Financialdisintermediation
Atpresent,mobilepayment,onlinebanking,mobilebankingandfinancialbusinessinChina'sboomingfinancialinnovationssuchascloud,thusformedanewkindoffinancialmodel--theInternetfinance.Bigdataeraandbrandcreation,spreadtothedevelopmentoffinancialinstitutionsisbothachallengeandopportunity.AlongwiththedevelopmentoftheInternetfinancial,emergingInternettraditionalfinancialcompaniesandfinancialinstitutionswillbeafiercecompetition,thefuturemayevenchangethetraditionalfinancialmanagementmodeandoperationpattern.
TheInternetfinancialconcepts,featuresandfunctionsTheconceptoftheInternetfinancial.
Afteryearsofdevelopment,Internetcompaniesstayinbusinessdoesnotprovide
technicalsupporttofinancialinstitutionsandservicelevel,thedataaccumulatedthroughthedepthofmininginformation,toexpandourbusinesstothefinancialsector,buildfinancialmodelsandInternetbecometheemergingfieldofcombininginformationtechnologyandcapital.Internetfinancialmodelisdifferentfromindirectfinancingofcommercialbank,itisalsodifferentfromdirectfinancingcapitalmarket'sthirdfinancialfinancingmodel.FromtheperspectiveofthefinancingmodeofInternetfinancialmodeinessenceisakindofdirectfinancingmode.Butcomparedwiththetraditionalmodeofdirectfinancing,Internetfinancingmodelhasalargeamountofinformation,lowertransactioncosts,highefficiency,etc.AdoptappropriatetheInternetfinanceisakindoffinancialmodelintheinformationage.TheauthorbelievesthattheInternetfinanceisbasedonmoderninformationtechnologyinfinancialactivities,withfunctionsoffinancing,paymentandtransactionintermediary.ThecharacteristicsoftheInternetfinancial.
Availabilityoffinancialresources.Financialexclusionisdefinedas:
peopleinthefinancialsystemlackaconditioninwhichtheshareoffinancialservices,includingthesocialvulnerablegroupsinthelackofwaysormethodsisclosetofinancialinstitutions,aswellasintheuseoffinancialproductsorfinancialservicesexistdifficultiesandobstacles.Thecurrentmanagementmode,thetraditionalcommercialBanksunabletoefficientlydealwithsmallcompanies,andpartoftheindividualcustomer'sbusinessrequirements,leadtothefinancialexclusionofcertaincustomers.Internetfinancialmode,thecustomercanbreakthroughthegeographicalrestrictions,ontheInternetlookingforfinancialresources,alleviatethefinancialexclusion,enhancethelevelofsocialwelfare.
Tradingtherelativeinformation.Thetraditionalfinancingmode,thefinancialinstitutionstoobtaininvestmententerprises,especiallysmallmicroenterpriseinformationcostishigher,incomeandcostdoesnotmatch.Internetfinancialgenerationanddisseminationofinformationthroughsocialnetwork,anyenterpriseandindividualinformationwillcontactwithothersubjects.BothpartiestocollectinformationviatheInternet,canbemorecomprehensiveunderstandingofabusinessorpersonalfinancialandcreditsituation,reducetheinformationasymmetry.When
loandefaultobject,Internetfinancialenterprisesthroughpublicdefaultandreducingratinginformation,increasethecostofdefault.
Theallocationofresourcestomediation.Thetraditionalfinancingmode,themoneysupplyanddemandbothsidesinformationoftendon'tmatch.Capitaldemanderscan'tgetthemoneyintimetosupportatthesametime,capitalsuppliersalsocan'tfindgoodinvestmentprojects.Internetfinancialmode,themoneysupplyanddemandbothsidesnolongerneedtheintermediaryinstitutionssuchasBanksorexchangeset,canbedonethroughthenetworkplatformtoinformationscreening,matching,pricingandtrading,disintermediationeffectisobvious.
TheInternetfinancialfunction.
TheplatformfunctionFinancialenterprisesestablishtheplatformofnetworkfinancialviatheInternet,customerscanchoosethesuitablefinancialproducts,justmoveyourfingers,whichcancarryoutpayment,loan,investment,financialactivities,suchasconvenientandquick,fromrunningerrands,andwaitingforcustomer.
Theallocationofresources(i.e.,financing)function.Internetfinancialisessentiallyawayofdirectfinancing.Internetfinancialmode,wecaneasilycheckcounterpartytransactionrecords;Tofindtherightriskmanagementtoolsandriskdiversification;In-depthanalysisthedatabyinformationtechnology,comprehensiveandin-depthmastercompetitorsinformation,improvetheefficiencyofresourceallocation.AstheInternetfinancialmodel,theconceptof"sincethefinancial"arisesatthehistoricmoment.3,paymentfunction.Internetfinancialmode,betweenmerchantsandcustomerstopaybyathirdpartytocomplete,convenient,efficient,lowercost.Thethirdpartypaymentorwillweakenthecommercialbank,thestatusofthetraditionalpaymentplatform.Atpresent,thepeople'sbankofChinaforabout200third-partypaymentcompaniesissuedpaymentbusinesslicense.In2012,ourcountrythirdpartyonlinepaymentmarketsizeof3.8trillion.
Informationgatheringandprocessing.Traditionalfinancialmode,theinformationresourcesdispersed,confuseddataisdifficulttoeffectivelyhandletheapplication.Internetfinancialmode,peopleuse"cloudcomputing"principle,informationasymmetry,thepyramidcanbeflattened,realizethestandardizationof
data,structured,increasingtheserviceefficiencyofthedata.
Second,theInternet'sinfluenceonthetraditionalcommercialbankingfinancialmodetoreviewthefinancialstrategy,toadapttothechallengesoftheInternetfinancialmodel.TheemergenceoftheInternetfinancialmodelforsmallandmedium-sizedbankprovidesanopportunitytocompetewiththebigBanks.Ifyoucanmakegooduseofthismodel,thepositiveinnovation,willcatchupwiththebigBanksinsomeemergingbusiness,theformationofcompetitiveness.TraditionalbankingmaybebecauseoftheInternetfinancialmodelchangeinthecompetitivelandscape.SomeInternetcompanieshavenotsatisfyonlydothird-partyonlinepaymentplatform,butwiththeadvantagesofdataaccumulationandinformationmining,directlytothesupplychain,smallmicroenterprisecreditfinancingexpansion,thefuturemayimpactthecoreofthetraditionalbankingbusiness,robBankscustomerresources,alternativephysicalchannels,overturningtraditionalbankmanagementmodeandprofitableway.
Thedevelopmentofbankingcustomerandchannel
ThecustomeristhebasisofcommercialBanksandotherfinancialinstitutionstothebusiness.InternetfinancialmodelforcommercialBankstoexpandthecustomerbase.In2012,theglobalInternetusersupto2012people;ChineseInternetusersis565million
(2),thenumberofonlineshopping,193million(3).UnderthemodeofInternetfinancial,commercialBankscanbecombinedwithitsownstrategy,ontheonehand,toattractnewcustomers;Ontheotherhand,increasecustomeradhesiveness,closebusinessrelationshipwithclients.Internetfinancialmode,thebankmaychangetotraditionaltargetaudienceandtraditionalphysicalnetworkadvantagesweakening,thepursuitofdiversificationpersonalizedserviceofsmallandmedium-sizedenterprisesandindividualcustomersmoreinclinedtoparticipateinavarietyoffinancialtransactionsviatheInternet.CommercialBankswillchangetraditionalvaluecreationandrealizationway,abletoprovidefast,lowcostservicesoffinancialinstitutionstogetmarketfavor.
Improveefficiencyofresourceallocation,effectivelysolvethesmallmicroenterprisefinancingdifficultproblem.
Internetfinancialcompanieswithlargedata,cloudcomputing,andmicrolendingtechnology.ThesethreetechnologiescanmakeacomprehensiveunderstandingoftheInternetfinancialinstitutionsthebusinesspracticesofsmallbusinessesandindividualcustomersandcreditrating,andestablishadatabaseandnetworkcreditsystem.Inthecreditreview,investorswillnetworktradingandcredithistoryasareferenceandanalysisindicators.Loanobjectsuchasadefault,financialfirmsstillcanusetheInternetnetworkplatformtocollectandpublishinformation,increasingdefaultcost,reducetheriskofinvestors,intheserviceofsmallandmedium-sizedenterprisefinancing,andpersonalloanshasauniqueadvantage.Therefore,theInternetfinancialmodelcangobeyondthetraditionalfinancingwayofresourceallocationefficiency,significantlyreducetransactioncosts,stronglysupportthedevelopmentoftherealeconomy.
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