互联网金融外文文献翻译 2.docxVIP

外文出处：De Bonis R, Silvestrini A. Internet finance and its influence ontraditionalbanking [J]. Applied Financial Economics, 2016,3(5):409-425.原文InternetfinanceanditsinfluenceontraditionalbankingDe Bonis R, SilvestriniAAbstractsWith the rapid development of information technology, Internet financialmodelgraduallyrise.ThispapersummarizestheInternetfinancialmodelonthebasisoftheconcept, features and functions of Internet financial model in strategy,customerchannels,financing, pricingand financial disintermediation of the impact of thetraditional commercial bank. This paper argues that Internet financial model in theshort term will not stand in the way of commercial banks traditional business modelandprofit,butinthelongtermcommercialBanksshoulduseoftheInternetfinancialmodel, in order to obtain the new development. At the same time, the sustainedandhealthy development of the Internet industry to rely on Internet financialenterpriseself-discipline,positiveinnovation,butalsoattractmorecustomers,strengthentheconstruction of systemsecurity.Key wor ds: Financial innovation; Internet financial; FinancialdisintermediationAt present, mobile payment, online banking, mobile banking and financialbusinessinChinasbooming financialinnovationssuchascloud,thusformedanewkind of financial model -- the Internet finance. Big data era and brand creation,spreadtothedevelopmentoffinancialinstitutionsisbothachallengeandopportunity.Alongwith the development of the Internet financial, emerging Internet traditionalfinancialcompanies and financial institutions will be a fierce competition, the future mayevenchange the traditional financial management mode and operationpattern.The Inter net financial concepts, features andfunctionsThe concept of the Inter net financial.After years of development, Internet companies stay in business does not providetechnicalsupporttofinancialinstitutionsandservicelevel,thedataaccumulatedthrough the depth of mining information, to expand our busine