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1、文献出处:Ramsey; Labored. Internet Finances Impact on Traditional Finance J. The Journal of International Finance, 2014, 16: 31-49.原文Internet Finances Impact on Traditional FinanceRamsey; Labored.Abstract As the advances in modern information and Internet technology, especially the develop of cloud puti
2、ng, big data, mobile Internet, search engines and social networks, profoundly change, even subvert many traditional industries, and the financial industry is no exception. In recent years, financial industry has bee the most far-reaching area influenced by Internet, after mercial distribution and th
3、e media. Many Internet-based financial service models have emerged, and have had a profound and huge impact on traditional financial industries. Internet-Finance has win the focus of public attention.Internet-Finance is low cost, high efficiency, and pays more attention to the user experience, and t
4、hese features enable it to fully meet the special needs of traditional long tail financial market, to flexibly provide more convenient and efficient financial services and diversified financial products, to greatly expand the scope and depth of financial services, to shorten the distance between peo
5、ple space and time, and to establish a new financial environment, which effectively integrate and take use of fragmented time, information, capital and other scattered resources, then add up to form a scale, and grow a new profit point for various financial institutions. Moreover, with the continuou
6、s penetration and integration in traditional financial field, Internet-Finance will bring new challenges, but also opportunities to the traditional. It contribute to the transformation of the traditional mercial banks, pensate for the lack of efficiency in funding process and information integration
7、, and provide new distribution channels for securities, insurance, funds and other financial products. For many SMEs, Internet-Finance extend their financing channels, reduce their financing threshold, and improve their efficiency in using funds. However, the cross-industry nature of the Internet Fi
8、nance determines its risk factors are more plex, sensitive and varied, and therefore we must properly handle the relationship between innovative development and market regulation, industry self-regulation.Key Words ：Internet Finance; mercial Banks; Effects; Regulatory1 IntroductionThe continuous dev
9、elopment of Internet technology, cloud puting, big data, a growing number of Internet applications such as social networks for the business 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
10、, Microsoft chairman Bill Gates, who declared, the traditional mercial bank will bee the new century dinosaur. Nowadays, with the development of the Internet electronic information technology, we really felt this trend, mobile payment, electronic bank already occupies the important position in our d
11、aily life.Due to the concept of the Internet financial almost entirely from the business practices, therefore the present study focused on the discussion. Internet financial specific mode, and the influence of traditional financial industry analysis and counter measures are lack of systemic research
12、. Internet has always been a key battleground in risk investment, and financial industry is the thinking mode of innovative experimental 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 integra
13、tion of Internet and financial, is a reflection of technical development and market rules requirements, is an irreversible trend. 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 experi
14、ence. The traditional financial industry to actively respond to. Internetfinancial, for such a vast blue ocean enough to change the 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 th
15、e latest formats form, discusses the Internet financial research of literature, but the lack of systemic and more practical. So this article according to the characteristics of the Internet industry practical stronger, the several business models on the market for summary analysis, and the tradition
16、al financial industry how to actively respond to the Internet wave of financial analysis and Suggestions are given, with strong practical significance.2 Internet financial backgroundInternet financial platform based on Internet resources, on the basis of the big data and cloud puting new financial model. Internet finance with the help of the Internet technology, mobile munication technology to realize financing, payment and information intermediary busine
