电子商务的发展现状、问题、影响和未来外文文献综述.docVIP

本科毕业论文（设计） 外文翻译 原文： E-Finance: Current Developments，Issues，Impacts, and Future As the growth of Internet broadens its scopc，c-financc grows accordingly. As part of c-commcrcc, c-financc has its own unique characteristics. On one hand, the Internet offers convcnicncc, pricc transparency, and broader access to information and lower costs; on the other hand, financial services arc data intensive and do not generally need physical delivery of products. The combination of the two seems to give unique advantages to help e-financial services grow faster than other c-commcrcc sectors. The impact of Internet on traditional financial services can be catcgorizcd into price transparency, differential pricing, and bypass and disintermediation. Since there is no broadly accepted definition of e-finance, we tentatively define c-financc as the provision of financial services: Internet banking, brokerage, payment, mortgage and other lending, insurance and related services over the Internet or via other public networks. Sato (2001) shows recent developments in e-finance. The growth of financial services is estimated to exceed one trillion dollars. According to one estimate, e-finance revenues will more than double in three years (Morgan Stanley Dean Witter, 1999). However，not all segments grow at the same speed in financial services. Among the segments such as brokerage, online banking, e-payments, life insurance, and investment banking, Internet brokerage grows the fastest. Online banking grows a little bit more slowly. E-payments, life insurance, and Internet banking hardly see any dramatic growth. However, some simpler financial service products might see potential growth in the next few years. They include online credit cards, mortgages, student loans, and car loans and leases; simpler insurance products such as car insurance, travel insurance, and home equity insurance. From an international perspective, e-finance grows the fastest in the United States and Europe. Pacific regio