correspond互联网大数据金融中英文对照外文翻译文献

2021年1月21日发(作者：文化帝国主义)
互联网大数据金融中英文对照外文翻译文献



互联网大数据金融中英文对照外文翻译文献


(
文档含英文原文和中文翻译
)

原文：

Internet Finance's Impact on Traditional Finance
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. 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.
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

tail
financial
market
to
flexibly
provide
more
convenient
and
efficient
financial services and diversified financial products, to greatly expand the scope and
互联网大数据金融中英文对照外文翻译文献

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
scattered
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
contribute 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 financing 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 development 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
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,
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 daily 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. 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
互联网大数据金融中英文对照外文翻译文献

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.
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
the
world,
it
is
very
worthy
of
attention
to
straighten
out
its
development, from the existing business model to its development prospects.


financial
belongs
to
the
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
traditional
financial industry how to actively respond to the Internet wave of financial analysis
and Suggestions are given, with strong 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, 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 Internet, 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
financial
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
development
of
modern
information
technology
to
provide
technical
support.
互联网大数据金融中英文对照外文翻译文献

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
service
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
computing
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
the
birth
and
development
of
the
Internet
financial
external
technical
support,
become a kind of externalization of constitution. In the Internet
cooperation,
share
platform,
third-party
financing
and
payment,
online
investment
finance,
credit
evaluation
model,
not
only
makes
the
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
than 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
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
companies
is
not
only
the
providers
of
capital
market,
but
also
too
many
traditional
so-called

net
worth
clients
suppliers
of
funds
into
the
market.
In
operation
form,
the
former
mainly
互联网大数据金融中英文对照外文翻译文献

through
the
Internet,
to
the
traditional
business
externalization,
the
latter
mainly
through Internet channels 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 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 access 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
wrong
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
intermediary
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 upstream 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
data,
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 the efficiency of risk management, etc.
互联网大数据金融中英文对照外文翻译文献

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
data,
or
from
big
data
assets
liquidation
ability
quickly.
Big
data
information
processing, therefore, often together with cloud computing.
4
Global economic issues
FOR
much of
the past
year the
fast-growing economies
of the
emerging
world
watched
the
Western
financial
hurricane
from
afar.
Their
own
banks
held
few
of
the
mortgage-
based
assets
that
undid
the
rich
world’s
financial
firms.
Commodity
exporters
were
thriving,
thanks
to
high
prices
fo
r raw materials. China’s economic juggernaut powered on. And, from
Budapest
to
Brasília,
an
abundance
of
credit
fuelled
domestic
demand.
Even
as talk mounted
of
the rich
world
suffering its
worst financial
collapse
since
the
Depression,
emerging
economies
seemed
a
long
way
from
the
centre
of the storm.
No
longer.
As
foreign
capital
has
fled
and
confidence
evaporated,
the
emerging world’s stockmarkets have plunged (in some cases losing half
their value) and currencies tumbled. The seizure in the credit market
caused
havoc,
as
foreign
banks
abruptly
stopped
lending
and
stepped
back
from even the most basic banking services, including trade credits.
Like
their
rich-world
counterparts,
governments
are
battling
to
limit
the
damage
(see
article).
That
is
easiest
for
those
with
large
foreign-exchange reserves. Russia is spending $$220 billion to shore up
its
financial
services
industry.
South
Korea
has
guaranteed
$$100
billion
of its banks’ debt. Less well
-endowed countries are asking for help.
Hungary
has
secured
a
EURO5
billion
($$6.6
billion)
lifeline
from
the
European
Central
Bank
and
is
negotiating
a
loan
from
the
IMF,
as
is
Ukraine.
Close to a dozen countries are talking to the fund about financial help.
Those
with
long- standing
problems
are
being
driven
to
desperate
互联网大数据金融中英文对照外文翻译文献

measures.
Argentina
is
nationalising
its
private
pension
funds,
seemingly
to
stave
off
default
(see
article).
But
even
stalwarts
are
looking
weaker.
Figures released this week showed that China’s growth slowed to 9% in
the year to the third quarter-still a rapid pace but a lot slower than
the double-digit rates of recent years.
The
various
emerging
economies
are
in
different
states
of
readiness,
but the cumulative impact of all this will be enormous. Most obviously,
how these countries fare will determine whether the world economy faces
a mild recession or something nastier. Emerging economies accounted for
around
three- quarters
of
global
growth
over
the
past
18
months.
But
their
economic fate will also have political consequences.
In
many
places-eastern
Europe
is
one
example
(see
article)-financial
turmoil
is
hitting
weak
governments.
But
even
strong
regimes
could
suffer.
Some
experts
think
that
China
needs
growth
of
7%
a
year
to
contain
social
unrest.
More
generally,
the
coming
strife
will
shape
the
debate
about
the
integration of the world economy. Unlike many previous emerging-market
crises, today’s mess spread from the rich world, largely thanks to
increasingly
integrated
capital
markets.
If
emerging
economies
collapse-either into a currency crisis or a sharp recession-there will
be yet more questioning of the wisdom of globalised finance.
Fortunately,
the
picture
is
not
universally
dire.
All
emerging
economies will
slow.
Some
will
surely face
deep recessions. But many are
facing
the present
danger
in
stronger
shape
than ever before, armed
with
large
reserves,
flexible
currencies
and
strong
budgets.
Good
policy-both
at home and in the rich world-can yet avoid a catastrophe.
One
reason
for
hope
is
that
the
direct
economic
fallout
from
the
rich
world’s d
isaster is manageable. Falling demand in America and Europe
hurts exports, particularly in Asia and Mexico. Commodity prices have
fallen: oil is down nearly 60% from its peak and many crops and metals
互联网大数据金融中英文对照外文翻译文献

have
done
worse.
That
has
a
mixed
effect.
Although
it
hurts
commodity-exporters from Russia to South America, it helps commodity
importers
in
Asia
and
reduces
inflation
fears
everywhere.
Countries
like
Venezuela
that
have
been
run
badly
are
vulnerable
(see
article),
but
given
the scale of the past boom, the commodity bust so far seems unlikely to
cause widespread crises.
The more dangerous shock is financial. Wealth is being squeezed as
asset prices decline. China’s house prices, for instance, have started
falling
(see
article).
This
will
dampen
domestic
confidence,
even
though
consumers
are
much
less
indebted
than
they
are
in
the
rich
world.
Elsewhere,
the sudden dearth of foreign-bank lending and the flight of hedge funds
and other investors from bond markets has slammed the brakes on credit
growth.
And
just
as
booming
credit
once
underpinned
strong
domestic
spending, so tighter credit will mean slower growth.
Again,
the
impact
will
differ
by
country.
Thanks
to
huge
current-account surpluses in China and the oil-exporters in the Gulf,
emerging economies as a group still send capital to the rich world. But
over 80 have deficits of more than 5% of GDP. Most of these are poor
countries
that
live
off
foreign
aid;
but
some
larger
ones
rely
on
private
capital. For the likes of Turkey and South Africa a sudden slowing in
foreign financing would force a dramatic adjustment. A particular worry
is eastern Europe, where many countries have double- digit deficits. In
addition,
even
some
countries
with
surpluses,
such
as
Russia,
have
banks
that
have
grown
accustomed
to
easy
foreign
lending
because
of
the
integration
of
global
finance.
The
rich
world’s
bank
bail
-outs
may
limit
the
squeeze,
but
the
flow
of
capital
to
the
emerging
world
will
slow.
The
Institute of International Finance, a bankers’ group, expects a 30%
decline in net flows of private capital from last year.
This
credit crunch
will be grim,
but most
emerging markets can
avoid