互联网金融外文文献中英文翻译4.doc

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 A Abstracts With the rapid development of information technology, Internet 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 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 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 words: Financial innovation; Internet financial; Financial disintermediation At present, 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 and 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 Internet financial concepts, features and functions The concept of the Internet financial. After years of development, Internet companies stay in business does not provide technical support to financial in