譯文（字數 2859）：

合作還是競爭：我國商業銀行與大數據為基礎的電子商務金融機構之間的演化博弈研究

一、導論與文獻綜述

基于互聯網的融資模式已在中國迅速發展。它已被視為第三種融資模式，不同于商業銀行的間接融資和資本市場的直接融資。它包括六種模式：第三方支付、P2P、大數據為基礎的融資、眾籌、基于互聯網的傳統金融機構和互聯網金融門戶網站。以大數據為基礎的融資模式是最為出名的，其中最重要的是對社會和經濟的參與和影響。以大數據為基礎的融資模式已經被定義為一種融資服務的集體模式，包括通過云計算和大數據分析技術分析大量的非結構化數據。我們把它與傳統金融服務相結合，創造性地發展經濟和金融工作。如今，在中國，大數據融資模式中最具有代表性的模型包括電子商務平臺，大數據和金融服務。其中，電子商務平臺是大數據的載體。大數據是基于大數據的融資模式的核心和基礎，所有金融服務都依賴于電子商務平臺的大數據。以前的研究是不夠的。我們使用阿里巴巴和京東金融集團股份為例，他們是中國電子商務金融機構的代表。他們正在收集歷史的電子商務貿易信息和其他客戶的數據并且進一步應用其他云計算等先進技術提供信用評級，小額貸款，并且對在風險可控的條件下需要貸款或者其他融資服務的電子商務客戶提供擔保服務。

外文原文（字符數 9174）：

Cooperation or Competition: An Evolutionary Game Study between Commercial Banks and Big Data-Based E-Commerce Financial Institutions in China

1. Introduction and Literature Review

The Internet-based financing mode has been developing rapidly in China. It has been viewed as the third financing mode, which is different from indirect financing of com-mercial banks and direct financing of capital markets.It includes six kinds of modes: the third-party payment,P2P, big data-based financing, crowd funding, Internet-based traditional financial institutions, and internet-financial portal website. The big data-based financing mode is the most well known, which has the most significant involvement and impact on the society and economy.The big data-based financing mode has been defined as a collective mode of financing service, including analyzing a large number of unstructured data by cloud computing and big data analysis technology. We combine it with traditional financial services to develop economics and financial work creatively.Nowadays, the most representative model of the big data-based financing mode in China includes e-commerce plat-form, big-data, and financial service. The relationship among them is that the e-commerce platform is the carrier of the big data. The big data is the core and foundation of the big data-based financing mode and all financial services are dependent on the big data from e-commerce platform. The prior study is insufficient. We use Alibaba and Jingdong finance corpo-ration as case study, representatives of e-commerce financial institutions in China.