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1、外文出处：De Bonis R, Silvestrini A. Internet finance and its influence on traditional banking J. Applied Financial Economics, 2016,3(5): 409-425.原文 Internet finance and its influence on traditional banking De Bonis R, Silvestrini AAbstr actsWith the rapid development of information technology, Internet
2、financial model gradually rise. This paper summarizes the Internet financial model on the basis of the concept, features and functions of Internet financial model in strategy, customer channels, financing, pricing and financial disintermediation of the impact of the traditional commercial bank. This
3、 paper argues that Internet financial model in the short term will not stand in the way of commercial banks traditional business model and profit, but in the long term commercial Banks should use of the Internet financial model, in order to obtain the new development. At the same time, the sustained
4、 and healthy development of the Internet industry to rely on Internet financial enterprise self-discipline, positive innovation, but also attract more customers, strengthen the construction of system security.Key wor ds: Financial innovation; Internet financial; Financial disintermediationAt present
5、, mobile payment, online banking, mobile banking and financial business in Chinas booming financial innovations such as cloud, thus formed a new kind of financial model - the Internet finance. Big data era and brand creation, spread to the development of financial institutions is both a challenge an
6、d opportunity. Along with the development of the Internet financial, emerging Internet traditional financial companies and financial institutions will be a fierce competition, the future may even change the traditional financial management mode and operation pattern.The Inter net financial concepts,
7、 features and functions The concept of the Inter net financial.After years of development, Internet companies stay in business does not providetechnical support to financial institutions and service level, the data accumulated through the depth of mining information, to expand our business to the fi
8、nancial sector, build financial models and Internet become the emerging field of combining information technology and capital. Internet financial model is different from indirect financing of commercial bank, it is also different from direct financing capital markets third financial financing model.
9、 From the perspective of the financing mode of Internet financial mode in essence is a kind of direct financing mode. But compared with the traditional mode of direct financing, Internet financing model has a large amount of information, lower transaction costs, high efficiency, etc. Adopt appropria
10、te the Internet finance is a kind of financial model in the information age. The author believes that the Internet finance is based on modern information technology in financial activities, with functions of financing, payment and transaction intermediary. The char acter istics of the Inter net fina
11、ncial.Availability of financial resources. Financial exclusion is defined as: people in the financial system lack a condition in which the share of financial services, including the social vulnerable groups in the lack of ways or methods is close to financial institutions, as well as in the use of f
12、inancial products or financial services exist difficulties and obstacles. The current management mode, the traditional commercial Banks unable to efficiently deal with small companies, and part of the individual customers business requirements, lead to the financial exclusion of certain customers .I
13、nternet financial mode, the customer can break through the geographical restrictions, on the Internet looking for financial resources, alleviate the financial exclusion, enhance the level of social welfare.Trading the relative information. The traditional financing mode, the financial institutions t
14、o obtain investment enterprises, especially small micro enterprise information cost is higher, income and cost does not match. Internet financial generation and dissemination of information through social network, any enterprise and individual information will contact with other subjects. Both parti
15、es to collect information via the Internet, can be more comprehensive understanding of a business or personal financial and credit situation, reduce the information asymmetry. Whenloan default object, Internet financial enterprises through public default and reducing rating information, increase the
16、 cost of default.The allocation of resources to mediation. The traditional financing mode, the money supply and demand both sides information often dont match. Capital demanders cant get the money in time to support at the same time, capital suppliers also cant find good investment projects. Internet financial mode, the money supply and demand both sides no longer need the intermediary institutions such as Banks or ex
