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1、 畢業(yè)設(shè)計（論文）外文資料翻譯 設(shè)計(論文)題目： 互聯(lián)網(wǎng)金融對傳統(tǒng)金融的影響力研究 學(xué)生姓名： 學(xué) 院： 商學(xué)院 專 業(yè)： 國際經(jīng)濟(jì)與貿(mào)易 班 級： 312182A 學(xué) 號： 指導(dǎo)教師： 外文出處：Ramsey; Labored. Internet Finance's Impact on Traditional Fina

2、nce [J]. The Journal of International Finance, 2014, 16(2): 31-49. 2016年 2 月 21 日 1．外文資料翻譯譯文（約3000漢字）： 互聯(lián)網(wǎng)金融對傳統(tǒng)金融的影響 作者：羅薩米 ;拉夫雷特 摘要 網(wǎng)絡(luò)的發(fā)展，深刻地改變甚至顛覆了許多傳統(tǒng)行業(yè)，金融業(yè)也不例外。近年來，金融業(yè)成為繼商業(yè)分銷、傳媒之后受互聯(lián)網(wǎng)影響最為深遠(yuǎn)的領(lǐng)域，許多基于互聯(lián)網(wǎng)的金融服務(wù)模式應(yīng)運(yùn)而生，并對傳統(tǒng)金融業(yè)產(chǎn)生了深刻的影響和巨大的沖擊。“互聯(lián)網(wǎng)金融”成為社會各界關(guān)注的焦點(diǎn)。 互聯(lián)網(wǎng)金融低成本、高效率、關(guān)注用戶體驗(yàn)，這些特點(diǎn)使其能夠充

3、分滿足傳統(tǒng)金融“長尾市場”的特殊需求，靈活提供更為便捷、高效的金融服務(wù)和多樣化的金融產(chǎn)品，大大拓展了金融服務(wù)的廣度和深度，縮短了人們在時空上的距離，建立了一種全新的金融生態(tài)環(huán)境；可以有效整合、利用零散的時間、信息、資金等碎片資源，積少成多，形成規(guī)模效益，成為各類金融服務(wù)機(jī)構(gòu)新的利潤增長點(diǎn)。此外，隨著互聯(lián)網(wǎng)金融的不斷滲透和融合，將給傳統(tǒng)金融行業(yè)帶來新的挑戰(zhàn)和機(jī)遇。互聯(lián)網(wǎng)金融可以促進(jìn)傳統(tǒng)銀行業(yè)的轉(zhuǎn)型，彌補(bǔ)傳統(tǒng)銀行在資金處理效率、信息整合等方面的不足；為證券、保險、基金、理財產(chǎn)品的銷售與推廣提供新渠道。對于很多中小企業(yè)來說，互聯(lián)網(wǎng)金融拓展了它們的融資渠道，大大降低了融資門檻，提高了資金的使用效率。但

4、是，互聯(lián)網(wǎng)金融的跨行業(yè)性決定了它的風(fēng)險因素更為復(fù)雜、敏感、多變，因此要處理好創(chuàng)新發(fā)展與市場監(jiān)管、行業(yè)自律的關(guān)系。 關(guān)鍵詞：互聯(lián)網(wǎng)金融；商業(yè)銀行；影響；監(jiān)管 1 引言 互聯(lián)網(wǎng)技術(shù)的不斷發(fā)展，云計算、大數(shù)據(jù)、社交網(wǎng)絡(luò)等越來越多的互聯(lián)網(wǎng)應(yīng)用為傳統(tǒng)行業(yè)的業(yè)務(wù)發(fā)展提供了有力支持，互聯(lián)網(wǎng)對傳統(tǒng)行業(yè)的滲透程度不斷加深。20世紀(jì)末，微軟總裁比爾蓋茨就曾斷言，“傳統(tǒng)商業(yè)銀行會成為新世紀(jì)的恐龍”。如今，隨著互聯(lián)網(wǎng)電子信息技術(shù)的發(fā)展，我們真切地感受到了這種趨勢，移動支付、電子銀行早已在我們的日常生活中占據(jù)了重要地位。 由于互聯(lián)網(wǎng)金融的概念幾乎完全來自于商業(yè)實(shí)踐，因此目前的研究多集中在探討互聯(lián)網(wǎng)金融的具體模式

5、上，而對傳統(tǒng)金融行業(yè)的影響力分析和應(yīng)對措施則缺乏系統(tǒng)性研究。互聯(lián)網(wǎng)與金融行業(yè)一向是風(fēng)險投資的主戰(zhàn)場，是思維模式的創(chuàng)新實(shí)驗(yàn)田，因此各種商業(yè)模式層出不窮，很難用一套固定的思維去分類、界定?；ヂ?lián)網(wǎng)與金融的相互滲透與融合，是技術(shù)發(fā)展與市場規(guī)律要求的體現(xiàn)，是不可逆轉(zhuǎn)的趨勢?；ヂ?lián)網(wǎng)帶給傳統(tǒng)金融的不僅僅是低成本與高效率，更在于一種創(chuàng)新的思維模式和對用戶體驗(yàn)的不懈追求。而傳統(tǒng)金融行業(yè)要去積極應(yīng)對?；ヂ?lián)網(wǎng)金融，對于這樣一片足以改變世界的巨大藍(lán)海，是非常值得投入精力去理順其發(fā)展脈絡(luò)，去從現(xiàn)有的商業(yè)模式中發(fā)現(xiàn)其發(fā)展前景的。 “互聯(lián)網(wǎng)金融”屬于最新的業(yè)態(tài)形式，對互聯(lián)網(wǎng)金融進(jìn)行探討研究的文獻(xiàn)不少，但多缺乏系統(tǒng)性與實(shí)踐

6、性。因此本文根據(jù)互聯(lián)網(wǎng)行業(yè)實(shí)踐性較強(qiáng)的特點(diǎn)，對市場上的幾種業(yè)務(wù)模式進(jìn)行概括分析，并就傳統(tǒng)金融行業(yè)如何積極應(yīng)對互聯(lián)網(wǎng)金融浪潮給出了分析與建議，具有較強(qiáng)的現(xiàn)實(shí)意義。 2互聯(lián)網(wǎng)金融的產(chǎn)生背景 互聯(lián)網(wǎng)金融是以互聯(lián)網(wǎng)為資源平臺，以大數(shù)據(jù)和云計算為基礎(chǔ)的新金融模式?；ヂ?lián)網(wǎng)金融借助于互聯(lián)網(wǎng)技術(shù)、移動通信技術(shù)來實(shí)現(xiàn)資金融通、支付和信息中介等業(yè)務(wù)，是傳統(tǒng)金融業(yè)與以互聯(lián)網(wǎng)為代表的現(xiàn)代信息科技（移動支付、云計算、數(shù)據(jù)挖掘、搜索引擎和社交網(wǎng)絡(luò)等）相結(jié)合產(chǎn)生的新興領(lǐng)域。不管是互聯(lián)網(wǎng)金融還是金融互聯(lián)網(wǎng)，只是戰(zhàn)略上的區(qū)別，并沒有嚴(yán)格定義區(qū)分。隨著金融與互聯(lián)網(wǎng)的相互滲透與相互融合，互聯(lián)網(wǎng)金融可以泛指一切通過互聯(lián)網(wǎng)技術(shù)來實(shí)

7、現(xiàn)資金融通的行為。互聯(lián)網(wǎng)金融是互聯(lián)網(wǎng)與傳統(tǒng)金融相互滲透和融合的產(chǎn)物，這種嶄新的金融模式有著深刻的產(chǎn)生背景?；ヂ?lián)網(wǎng)金融的出現(xiàn)既源于金融主體對于降低成本的強(qiáng)烈渴求，也離不開現(xiàn)代信息技術(shù)迅猛發(fā)展提供的技術(shù)支撐。 2.1 需求型拉動因素 傳統(tǒng)金融市場存在嚴(yán)重的信息不對稱，極大的提高了交易風(fēng)險；移動互聯(lián)網(wǎng)的發(fā)展逐步改變了人們的金融消費(fèi)習(xí)慣，對服務(wù)效率和體驗(yàn)的要求越來越高；此外，運(yùn)營成本的不斷上升，都刺激著金融主體對于金融創(chuàng)新與改革的渴求；這種由需求拉動的 因素，成為互聯(lián)網(wǎng)金融產(chǎn)生的強(qiáng)大內(nèi)在推動力。 2.2 供給型推動因素 數(shù)據(jù)挖掘、云計算以及搜索引擎等技術(shù)的發(fā)展、金融與互聯(lián)網(wǎng)機(jī)構(gòu)的技術(shù)平臺的革新

8、、企業(yè)逐利性的混業(yè)經(jīng)營等，為傳統(tǒng)金融業(yè)的轉(zhuǎn)型和互聯(lián)網(wǎng)企業(yè)向金融領(lǐng)域滲透提供了可能，為互聯(lián)網(wǎng)金融的產(chǎn)生和發(fā)展提供了外在的技術(shù)支撐，成為一種外化的拉動力。在互聯(lián)網(wǎng)“開放、平等、協(xié)作、分享”的平臺上，第三方融資與支付、在線投資理財、信用評審等模式的不斷涌現(xiàn)，不僅使得傳統(tǒng)的金融市場格局發(fā)生了巨大的變化，也使現(xiàn)代信息科技更加便捷地服務(wù)于各金融主體。對于傳統(tǒng)金融機(jī)構(gòu)，特別是銀行、證券和保險機(jī)構(gòu)而言，機(jī)遇大于危機(jī)，發(fā)展勝過挑戰(zhàn)。 3互聯(lián)網(wǎng)金融的構(gòu)成主體 3.1 資金供給者 介于互聯(lián)網(wǎng)金融的綜合性，其資金供給者不僅包括傳統(tǒng)的金融機(jī)構(gòu)，也包括滲透進(jìn)入的互聯(lián)網(wǎng)企業(yè)。就目前的市場結(jié)構(gòu)而言，傳統(tǒng)金融機(jī)構(gòu)主要有商

9、業(yè)銀行、證券、保險、基金和小額貸款公司，而新興主體主要包括部分互聯(lián)網(wǎng)企業(yè)，如亞馬遜，還有一些以互聯(lián)網(wǎng)為渠道的綜合型公司。這些企業(yè)不僅是市場資金的供給者，更是將許多傳統(tǒng)所謂的“低凈值客戶”納入市場資金的供給方。在操作形式上，前者主要借助互聯(lián)網(wǎng)將傳統(tǒng)業(yè)務(wù)進(jìn)行外化，后者主要通過互聯(lián)網(wǎng)渠道將業(yè)務(wù)進(jìn)行滲透，無論是外化還是滲透，二者都通過互聯(lián)網(wǎng)渠道實(shí)現(xiàn)了金融業(yè)務(wù)的創(chuàng)新與改革。 3.2 資金需求者 互聯(lián)網(wǎng)金融模式下的資金需求者雖然沒有突破傳統(tǒng)的政府、企業(yè)和個體的范疇，但在惠及范圍上卻有著很大程度的改變?；ヂ?lián)網(wǎng)金融的興起和發(fā)展，特別是互聯(lián)網(wǎng)企業(yè)的進(jìn)入使得被排擠在傳統(tǒng)金融機(jī)構(gòu)門檻之外的、相對弱勢的組織和個體

10、需求者，有了一個更加便捷和高效的資金獲取渠道。因此，互聯(lián)網(wǎng)金融所帶來的普惠性和包容性更勝以往的傳統(tǒng)金融模式。 3.3中介機(jī)構(gòu) 互聯(lián)網(wǎng)金融依靠高效、便捷的信息技術(shù)，極大降低了金融市場上存在的信息不對稱，交易雙方通過互聯(lián)網(wǎng)直接對接，交易成本也大大降低，因此互聯(lián)網(wǎng)金融主體對于中介機(jī)構(gòu)的依賴性明顯減弱，但并非意味著互聯(lián)網(wǎng)金融市場就沒有中介機(jī)構(gòu)。就現(xiàn)階段互聯(lián)網(wǎng)金融的發(fā)展?fàn)顩r而言，第三方支付平臺扮演了該領(lǐng)域中介機(jī)構(gòu)的角色，不僅充當(dāng)資金結(jié)算的平臺，更是對資金供需的上下游環(huán)節(jié)進(jìn)行多方位的整合，在滿足資金支付的同時，起到資金配置的作用。尤其是在電子商務(wù)領(lǐng)域，這一功能更加明顯。 3.4 大數(shù)據(jù)金融 大數(shù)據(jù)

11、金融是指集合海量非結(jié)構(gòu)化數(shù)據(jù)，通過對其進(jìn)行深度挖掘與實(shí)時分析，掌握客戶的交易信息、消費(fèi)信息和消費(fèi)習(xí)慣等，進(jìn)而準(zhǔn)確預(yù)測客戶行為，使相關(guān)金融機(jī)構(gòu)在產(chǎn)品設(shè)計、精準(zhǔn)營銷和風(fēng)險管理等方面的效率得到極大提高。基于大數(shù)據(jù)的金融服務(wù)平臺主要指擁有海量交易數(shù)據(jù)的電子商務(wù)企業(yè)所開展的金融服務(wù)。大數(shù)據(jù)的關(guān)鍵是從大量無序的數(shù)據(jù)中快速攫取有價值信息的能力，或者是從大數(shù)據(jù)資產(chǎn)中快速變現(xiàn)的能力。因此，大數(shù)據(jù)的信息處理往往與云計算結(jié)合在一起。 4結(jié)論 互聯(lián)網(wǎng)金融模式不僅能夠產(chǎn)生巨大的社會效益，降低交易成本，提供比現(xiàn)有直接和間接融資更高的資源配置效率，為經(jīng)濟(jì)發(fā)展提供動力，還能夠借助互聯(lián)網(wǎng)及其相關(guān)軟件技術(shù)淡化傳統(tǒng)金融業(yè)的專業(yè)

12、分工，使得金融參與者更加大眾普通化，風(fēng)險定價期限匹配等復(fù)雜交易也趨于簡單化。由于互聯(lián)網(wǎng)金融所涉足的領(lǐng)域主要集中在傳統(tǒng)金融機(jī)構(gòu)當(dāng)前開發(fā)并不深入的領(lǐng)域，即傳統(tǒng)金融的“長尾市場”，能夠與原有的傳統(tǒng)金融業(yè)務(wù)形成補(bǔ)充態(tài)勢，所以短期內(nèi)互聯(lián)網(wǎng)金融從市場規(guī)模角度并不會對傳統(tǒng)金融機(jī)構(gòu)帶來很大沖擊，但是互聯(lián)網(wǎng)金融的業(yè)務(wù)模式、創(chuàng)新思路以及其顯現(xiàn)出來的高效率對于傳統(tǒng)金融機(jī)構(gòu)在理念上帶來了較大的沖擊，也帶動了傳統(tǒng)金融機(jī)構(gòu)進(jìn)一步加速與互聯(lián)網(wǎng)的互相滲透與融合。 2．外文資料原文（與課題相關(guān)，至少1萬印刷符號以上）： Internet Finance's Impact on Traditional Finance Ra

13、msey; Labored. Abstract As the advances in modern information and Internet technology, especially the develop of cloud computing, big data, mobile Internet, search engines and social networks, profoundly change, even subvert many traditional industries, and the financial industry is no exception.

14、In recent years, financial industry has become the most far-reaching area influenced by Internet, after commercial distribution and the media. Many Internet-based financial service models have emerged, and have had a profound and huge impact on traditional financial industries. "Internet-Finance" ha

15、s win the focus of public attention. Internet-Finance is low cost, high efficiency, and pays more attention to the user experience, and these features enable it to fully meet the special needs of traditional "long tail financial market", to flexibly provide more convenient and efficient financial s

16、ervices and diversified financial products, to greatly expand the scope and depth of financial services, to shorten the distance between people space and time, and to establish a new financial environment, which effectively integrate and take use of fragmented time, information, capital and other sc

17、attered resources, then add up to form a scale, and grow a new profit point for various financial institutions. Moreover, with the continuous penetration and integration in traditional financial field, Internet-Finance will bring new challenges, but also opportunities to the traditional. It contribu

18、te to the transformation of the traditional commercial banks, compensate for the lack of efficiency in funding process and information integration, and provide new distribution channels for securities, insurance, funds and other financial products. For many SMEs, Internet-Finance extend their financ

19、ing channels, reduce their financing threshold, and improve their efficiency in using funds. However, the cross-industry nature of the Internet Finance determines its risk factors are more complex, sensitive and varied, and therefore we must properly handle the relationship between innovative develo

20、pment and market regulation, industry self-regulation. Key Words：Internet Finance; Commercial Banks; Effects; Regulatory 1 Introduction The continuous development of Internet technology, cloud computing, big data, a growing number of Internet applications such as social networks for the business

21、development of traditional industry provides a strong support, the level of penetration of the Internet on the traditional industry. The end of the 20th century, Microsoft chairman Bill Gates, who declared, "the traditional commercial bank will become the new century dinosaur". Nowadays, with the de

22、velopment of the Internet electronic information technology, we really felt this trend, mobile payment, electronic bank already occupies the important position in our daily life. Due to the concept of the Internet financial almost entirely from the business practices, therefore the present study fo

23、cused on the discussion. Internet financial specific mode, and the influence of traditional financial industry analysis and counter measures are lack of systemic research. Internet has always been a key battleground in risk investment, and financial industry is the thinking mode of innovative experi

24、mental various business models emerge in endlessly, so it is difficult to use a fixed set of thinking to classification and definition. The mutual penetration and integration of Internet and financial, is a reflection of technical development and market rules requirements, is an irreversible trend.

25、The Internet bring traditional financial is not only a low cost and high efficiency, more is a kind of innovative thinking mode and unremitting pursuit of the user experience. The traditional financial industry to actively respond to. Internet financial, for such a vast blue ocean enough to change t

26、he world, it is very worthy of attention to straighten out its development, from the existing business model to its development prospects. "Internet financial" belongs to the latest formats form, discusses the Internet financial research of literature, but the lack of systemic and more practical. S

27、o this article according to the characteristics of the Internet industry practical stronger, the several business models on the market for summary analysis, and the traditional financial industry how to actively respond to the Internet wave of financial analysis and Suggestions are given, with stro

28、ng practical significance. 2 Internet financial background Internet financial platform based on Internet resources, on the basis of the big data and cloud computing new financial model. Internet finance with the help of the Internet technology, mobile communication technology to realize financing,

29、 payment and information intermediary business, is a traditional industry and modern information technology represented by the Internet, mobile payment, cloud computing, data mining, search engines and social networks, etc.) Produced by the combination of emerging field. Whether financial or the Int

30、ernet, the Internet is just the difference on the strategic, there is no strict definition of distinction. As the financial and the mutual penetration and integration of the Internet, the Internet financial can refer all through the Internet technology to realize the financing behavior. Internet fin

31、ancial is the Internet and the traditional financial product of mutual infiltration and fusion, the new financial model has a profound background. The emergence of the Internet financial is a craving for cost reduction is the result of the financial subject, is also inseparable from the rapid develo

32、pment of modern information technology to provide technical support. 2.1 Demands factors Traditional financial markets there are serious information asymmetry, greatly improve the transaction risk. Exhibition gradually changed people's spending habits, more and more high to the requirement of serv

33、ice efficiency and experience; In addition, rising operating costs, to stimulate the financial main body's thirst for financial innovation and reform; This pulled by demand factors, become the Internet financial produce powerful inner driving force. 2.2 Supply driving factor Data mining, cloud com

34、puting and Internet search engines, such as the development of technology, financial and institutional technology platform. Innovation, enterprise profit-driven mixed management, etc., for the transformation of traditional industry and Internet companies offered financial sector penetration may,for

35、the birth and development of the Internet financial external technical support, become a kind of externalization of constitution. In the Internet "openness, equality, cooperation, share" platform, third-party financing and payment, online investment finance, credit evaluation model, not only makes t

36、he traditional pattern of financial markets will be great changes have taken place, and modern information technology is more easily to serve various financial entities. For the traditional financial institutions, especially in the banking, securities and insurance institutions, more opportunities t

37、han the crisis, development is better than a challenge. 3 Internet financial constitute the main body 3.1 Capital providers Between Internet financial comprehensive, its capital providers include not only the traditional financial institutions, including penetrating into the Internet. In terms of

38、 the current market structure, the traditional financial sector mainly include commercial Banks, securities, insurance, fund and small loan companies, mainly includes the part of the Internet companies and emerging subject, such as the amazon, and some channels on Internet for the company. These com

39、panies is not only the providers of capital market, but also too many traditional so-called "low net worth clients" suppliers of funds into the market. In operation form, the former mainly through the Internet, to the traditional business externalization, the latter mainly through Internet channels

40、to penetrate business, both externalization and penetration, both through the Internet channel to achieve the financial business innovation and reform. 3.2 Capital demanders Internet financial mode of capital demanders although there is no breakthrough in the traditional government, enterprise and

41、 individual, but on the benefit has greatly changed. In the rise and development of the Internet financial, especially Internet companies to enter the threshold of made in the traditional financial institutions, relatively weak groups and individual demanders, have a more convenient and efficient ac

42、cess to capital. As a result, the Internet brought about by the universality and inclusive financial better than the previous traditional financial pattern. 3.3 Intermediaries Internet financial rely on efficient and convenient information technology, greatly reduces the financial markets is the w

43、rong information. Docking directly through Internet, according to both parties, transaction cost is greatly reduced, so the Internet finance main body for the dependence of the intermediary institutions decreased significantly, but does not mean that the Internet financial markets, there is no inter

44、mediary institutions. In terms of the development of the Internet financial situation at present stage, the third-party payment platform plays an intermediary role in this field, not only ACTS as a financial settlement platform, but also to the capital supply and demand of the integration of upstrea

45、m and downstream link multi-faceted, in meet the funds to pay at the same time, have the effect of capital allocation. Especially in the field of electronic commerce, this function is more obvious. 3.4 Large financial data Big financial data collection refers to the vast amounts of unstructured da

46、ta, through the study of the depth of its mining and real-time analysis, grasp the customer's trading information, consumption habits and consumption information, and predict customer behavior and make the relevant financial institutions in the product design, precise marketing and greatly improve t

47、he efficiency of risk management, etc. Financial services platform based on the large data mainly refers to with vast trading data of the electronic commerce enterprise's financial services. The key to the big data from a large number of chaotic ability to rapidly gaining valuable information in the

48、 data, or from big data assets liquidation ability quickly. Big data information processing, therefore, often together with cloud computing. 4 Conclusions Internet financial model can produce not only huge social benefit, lower transaction costs, provide higher than the existing direct and indirec

49、t financing efficiency of the allocation of resources, to provide power for economic development, will also be able to use the Internet and its related software technology played down the traditional finance specialized division of labor, makes the financial participants more mass popularization, ri

50、sk pricing term matching complex transactions, tend to be simple. Because of the Internet financial involved in the field are mainly concentrated in the field of traditional financial institutions to the current development is not thorough, namely traditional financial "long tail" market, can comple

51、ment with the original traditional financial business situation, so in the short term the Internet finance from the Angle of the size of the market will not make a big impact to the traditional financial institutions, but the Internet financial business model, innovative ideas, and its apparent high

52、 efficiency for the traditional financial institutions brought greater impact on the concept, also led to the traditional financial institutions to further accelerate the mutual penetration and integration with the Internet. 3.指導(dǎo)教師評語： 指導(dǎo)教師： 年 月 日