譯文（字數 3032）：

互聯網金融對傳統金融的影響

作者：羅薩米 ;拉夫雷特

摘要

網絡的發展，深刻地改變甚至顛覆了許多傳統行業，金融業也不例外。近年來，金融業成為繼商業分銷、傳媒之后受互聯網影響最為深遠的領域，許多基于互聯網的金融服務模式應運而生，并對傳統金融業產生了深刻的影響和巨大的沖擊。“互聯網金融”成為社會各界關注的焦點。

互聯網金融低成本、高效率、關注用戶體驗，這些特點使其能夠充分滿足傳統金融“長尾市場”的特殊需求，靈活提供更為便捷、高效的金融服務和多樣化的金融產品，大大拓展了金融服務的廣度和深度，縮短了人們在時空上的距離，建立了一種全新的金融生態環境；可以有效整合、利用零散的時間、信息、資金等碎片資源，積少成多，形成規模效益，成為各類金融服務機構新的利潤增長點。此外，隨著互聯網金融的不斷滲透和融合，將給傳統金融行業帶來新的挑戰和機遇。互聯網金融可以促進傳統銀行業的轉型，彌補傳統銀行在資金處理效率、信息整合等方面的不足；為證券、保險、基金、理財產品的銷售與推廣提供新渠道。對于很多中小企業來說，互聯網金融拓展了它們的融資渠道，大大降低了融資門檻，提高了資金的使用效率。但是，互聯網金融的跨行業性決定了它的風險因素更為復雜、敏感、多變，因此要處理好創新發展與市場監管、行業自律的關系。

關鍵詞：互聯網金融；商業銀行；影響；監管

外文原文（字符數 10246）：

Internet Finance's Impact on Traditional Finance

Ramsey; Labored.

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. "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 these 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 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.