互联网金融电子银行外文文献翻译2014年译文3050字大数据

文献出处:RICHARD C. Internet Finance's Impact on Traditional Finance [J]. The Journal of International Finance, 2014, 6(12): 13-29.

（本译文归百度文库所有，完整译文请到百度文库）

原文

Internet Finance's Impact on Traditional Finance

RICHARD C

Abstract

With the advent of the era of web2.0, Banks have full access to the Internet age, the large data of the Internet is profoundly affects the future of the Banks, represented by the Banks of financial enterprises and represented by electric business enterprise Internet companies, is a financial of the Internet and the Internet financialization swing. The large data of the Internet is profoundly affecting the bank's future development direction, it also marks a new era of financial, the rapid development of Internet financial, also brought unprecedented challenges to electronic banking, regardless of technical strength, talent resources level, or the problem such as system innovation are all faced with great challenge and opportunity.

Key words: Internet financial; Electronic banking; Third-party payment; big data

1 The concepts of Internet financial

Internet finance is the product of the combination of both financial and Internet, is to use the Internet technology and mobile communication technology to realize capital flow and information transfer mode of new financial, Internet financial is different from traditional finance: financial business adopted by the media, financial participants direct contact through the Internet, make the transparency of financial business, higher intermediate cheaper, more convenient way.

The current Internet financial landscape, is made up of traditional financial institutions and non-financial institutions. Traditional financial institutions are mainly the Internet innovation of traditional financial business and electricity, such as innovation, non-financial institutions mainly refers to the use of Internet technologies

to finance the operation of the electric business enterprise lending to network platform, the raise pattern of network investment platform, dig choir class mobile banking APP, and third party payment platform, etc.

2 Status quo of Internet financial development

Since the birth of the Internet technology, Internet financial development and there are two paths: one is the financialization of Internet enterprise development, namely the Internet into financial, a financial enterprise development of the Internet, that Banks and other financial institutions use the Internet technology and the Internet channel to realize the existing business, Internet finance is in the Internet under the new formats, financial institutions through in-depth change to provide is suitable for the characteristics of the Internet financial services to the customers, namely financial the Internet and the Internet are related to the financial industry. But from the point of the current situation, the Internet enterprise financialization of development are clearly in the offensive, Internet companies continuously introduce new products and new business model, constantly eating away at the traditional banking business. Internet financial and banking camp slightly passive, for sudden Internet enterprise competition, struggling to keep up, change the traditional bank Internet more stop electronic banking, electronic banking for Banks is just a kind of more channels. Third-party payment rapid development with the rapid development of the Internet trading platform, as the credit intermediary third-party payment application and the emergence of a third party payment, both buyers and sellers of mutual distrust embarrassing questions, and play a huge role in promoting the development of electronic commerce. Internet users around the world use third-party payment complete online payment, direct payment after the bank on the net; Third-party Internet payment after net silver, become the second largest Internet users electronic payment.

Mobile payment business remain high growth, with the mature development of mobile technology, in recent years, with mobile phone "tablets such as the widely application of the intelligent terminal, apple, android and other mobile Internet payment to booming spring rate, and begun to take shape. In addition, the rapid