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&>&&>&互联网金融电子银行外文文献翻译2014年译文3050字大数据
互联网金融电子银行外文文献翻译2014年译文3050字大数据_14800字
文献出处: RICHARD C. Internet Finance's Impact on Traditional Finance [J]. The
Journal of International Finance, ): 13-29.
（本译文归百度文库所有，完整译文请到百度文库）
　　　　　　Internet Finance's Impact on Traditional Finance
　　　　　　　　　　　　　　　RICHARD C
　　With the advent of the era of web2.0, Banks have full access to the Internet age,
the large data of the Internet is profoundly affects the future of the Banks, represented
by the Banks of financial enterprises and represented by electric business enterprise
Internet companies, is a financial of the Internet and the Internet financialization
swing. The large data of the Internet is profoundly affecting the bank's future
development direction, it also marks a new era of financial, the rapid development of
Internet financial, also brought unprecedented challenges to electronic banking,
regardless of technical strength, talent resources level, or the problem such as system
innovation are all faced with great challenge and opportunity.
Key words: I E Third- big data
1 The concepts of Internet financial
　　Internet finance is the product of the combination of both financial and Internet,
is to use the Internet technology and mobile communication technology to realize
capital flow and information transfer mode of new financial, Internet financial is
different from traditional finance: financial business adopted by the media, financial
participants direct contact through the Internet, make the transparency of financial
business, higher intermediate cheaper, more convenient way.
The current Internet financial landscape, is made up of traditional financial
institutions and non-financial institutions. Traditional financial institutions are mainly
the Internet innovation of traditional financial business and electricity, such as
innovation, non-financial institutions mainly refers to the use of Internet technologies
to finance the operation of the electric business enterprise lending to network platform,
the raise pattern of network investment platform, dig choir class mobile banking APP,
and third party payment platform, etc.
2 Status quo of Internet financial development
　　Since the birth of the Internet technology, Internet financial development and
there are two paths: one is the financialization of Internet enterprise development,
namely the Internet into financial, a financial enterprise development of the Internet,
that Banks and other financial institutions use the Internet technology and the Internet
channel to realize the existing business, Internet finance is in the Internet under the
new formats, financial institutions through in-depth change to provide is suitable for
the characteristics of the Internet financial services to the customers, namely financial
the Internet and the Internet are related to the financial industry. But from the point of
the current situation, the Internet enterprise financialization of development are
clearly in the offensive, Internet companies continuously introduce new products and
new business model, constantly eating away at the traditional banking business.
Internet financial and banking camp slightly passive, for sudden Internet enterprise
competition, struggling to keep up, change the traditional bank Internet more stop
electronic banking, electronic banking for Banks is just a kind of more channels.
Third-party payment rapid development with the rapid development of the Internet
trading platform, as the credit intermediary third-party payment application and the
emergence of a third party payment, both buyers and sellers of mutual distrust
embarrassing questions, and play a huge role in promoting the development of
electronic commerce. Internet users around the world use third-party payment
complete online payment, direct payment after Third-party
Internet payment after net silver, become the second largest Internet users electronic
　　Mobile payment business remain high growth, with the mature development of
mobile technology, in recent years, with mobile phone "tablets such as the widely
application of the intelligent terminal, apple, android and other mobile Internet
payment to booming spring rate, and begun to take shape. In addition, the rapid
development of network finance network finance is the investor (or family) analysis
of merchants to provide financial product information via the Internet, according to
the change of external conditions for the existence of its remaining assets form to
adjust, to maximize personal or family property yields a series of activities. In the
rapidly changing financial market" s financial information explosion, the network
financial investors especially personal financial investors provide great convenience.
3 The electronic banking development under the Internet financial
3.1 Attach importance to the user experience, improve service quality
　　The biggest challenge for traditional Banks, and lies in the change of thinking
mode. Internet financial irreversible situation will bring the bank internal technology,
talent, and a variety of mechanisms policy adjustments. For electronic banking this
team is the most favorable to build customer experience department. Because
electronic banking sector is one of the most customer groups. Since the establishment
of electronic banking operations, and directly serving the customer, and not like a
traditional bank, through the counter "lobby manager to provide service! If improper
process experience design in the background, will have service personnel to assist the
follow up, but the mobile banking and Internet banking in the financial service of
Internet, almost no bank staff to help, the user experience can complete data,
including customers in the use of time, the function of be fond of and so on. The
electronic bank grasp the first-hand information of the user experience, through the
analysis of data, timely adjustments, maximize meet customer demand, therefore,
only attach importance to the customer experience, seeing it as a lifeline of the
development of the electronic banking can promote the rapid development of
electronic banking, promote financial Internet.
3.2 Scale operation
　　The Internet represents advanced productive forces has three meanings: the first
layer is external ability, such as the Internet product design
second is the customer of the Internet enterpri Open the third layer
is the "share and innovation spirit. The combination of financial and Internet also need
to be reflected in the three levels at the same time. The nature of the Internet financial
strategy is a kind of platform, the platform strategy, refers to connect two (or more)
specific group, providing them with interactive mechanism, to meet the needs of all
groups, and ingeniously profit business model. At present, for Banks, have set up the
network platform and through its complete financial business, but the Internet is just a
way for it. Besides, set up the Internet financial physical platform is the first step, only
into the platform through the platform operation to attract a large number of
customers, you can't really play the value of the platform, if there is no customer
security, and banking has discouraged Internet financial! And attract customers into
the platform, through the platform to retain customers, financial focused on using
Internet platform to attract customers" operating customers, finally, the transaction
demand for customers to bank trading system to complete implementation. In short,
the bank will convert the Angle of view, changing ideas, empathy, and reflect the
value of customers, do the platform scale is large, and the bank can get their own
3.3 Speed up new Internet technology and the integration of new business
development ban
　　At present, a lot of financial business needs to be done through the online
operation, especially the bank on the net "third-party payment" mobile payment
business, developing very rapidly. But the financial sector of the Internet, make a lot
of supporting measures cannot follow up in time, there are a lot of potential safety
hazard, especially on the application of safety technology, lack of necessary guidance
standards. Platform development and utilization of the banking system and the lack of
necessary and sufficient time for testing, will also leave a safe hidden trouble. The
Internet technology put forward higher requirements for Banks. Bank network
background of the operating system, database and even a very important core system,
once a problem, even very small fault, will cause serious influence to banking! For the
banking system, therefore, the construction of "maintenance, and the security of bank
business continuity, put forward higher request. The bank should strengthen the
Internet of the new technology research and application, especially for large data
mining analysis, Banks have access to the first-hand customer data convenience (bank
business is money, but money is the corresponding data, the bank is essentially
operating data), in addition, the application of new technology research at the same
time, speed up new technology and new business integration development bank,
gather enough stamina for electronic banking development of mobile payment to
integrate development. Of course, the high quality of the network financial talent is a
new technology and the Internet bank a prerequisite for new business development, at
the same time, the bank related personnel will need to continue to strengthen its own
theoretical accomplishment and operation skills. Electronic banking is based on the
Internet and application, its openness, also, some important data information has
stolen using the risk of tampering, mobile payment in recent years the immense, play
a strong role for the development of electronic banking, but also over a wireless
network for mobile payments, so also are faced with the risk of information security.
Therefore, strengthen the publicity of information security" guidance, especially to the
customers in the electronic banking security guide appears especially important.
4 Conclusions
　　In a word, with the development of Internet financial, electronic banking begins
to change ideas, innovation as the breakthrough point to user requirements and the
Internet, the innovation of electronic banking service mode, fast improving electronic
banking customer experience and channel integration level, through the meet the
rapidly changing financial consumption demand and convenient and safe service
experience demand to improve customer satisfaction, attach great importance to the
safety control and risk management, carry out scientific development and sustainable
development of electronic banking. Also, to actively explore new application of
digital marketing. By investing in external activities, such as social media channels or
web crawler technology, such as access to social relationship tree relationship with the
customer behavior, flexible matching intermediary business pricing policy and
marketing activities, realize effect Customer data collected about
browsing mobile phone or card number as the center, to accumulate accurate
To strengthen and Internet companies, operators in LBS data,
data such as contact, joint to carry out new marketing activities. On the whole, in the
face of the rapid development of Internet financial, commercial Banks should be ready,
must absorb and draw lessons from the latest industry innovation, to achieve faster
and better development of electronic banking business.
　　　　　　　　　　　互联网金融下的电子银行发展
　　　　　　　　　　　　作者：
　　　　　　　　　　　　　　　　理查德·科勒
　　随着web2.0时代的到来，银行业已经全面进入互联网时代，互联网的大数
据正深刻地影响着银行的未来，以银行为代表的金融企业和以电商企业为代表的
互联网企业，正在掀起金融互联网化和互联网金融化的浪潮。互联网的大数据正
深刻地影响着银行的未来发展方向，这也标志着新金融时代的来临，互联网金融
的快速发展，也给电子银行业带来了前所未有的挑战，不论技术力量，人才资源
层面，还是制度创新等问题都面临巨大的挑战与机遇。
关键词：互联网金融; 电子银行; 第三方支付; 大数据
1互联网金融概念
　　融是金融与互联网二者相结合的产物，是运用互联网技术和移动通信技术实
现资金流转和相关信息传递的新型金融模式，互联网金融不同于传统金融的是:
金融业务所采用的媒介不同，金融参与者通过互联网进行直接接触，使得金融业
务的透明度更高，中间成本更低，方式上更为便捷。
当前互联网金融格局，由传统金融机构和非金融机构组成。传统金融机构主要为
传统金融业务的互联网创新以及电商化创新等，非金融机构则主要是指利用互联
网技术进行金融运作的电商企业的网络借贷平台，众筹模式的网络投资平台，挖
财类的手机理财APP，以及第三方支付平台等。
2互联网金融发展现状
　　网技术诞生后，互联网金融便存在着两个路径发展: 一个是互联网企业的金
融化发展，即互联网进军金融，一个是金融企业的互联网化发展，即银行等金融
机构利用互联网技术和互联网渠道实现现有业务，互联网金融是在互联网新型业
态下，金融机构通过深入的变革来为客户提供适用于互联网特征的金融服务，即
金融互联网和互联网金融都和金融行业有关。但从当前形势来看，互联网企业的
金融化发展明显处于攻势，互联网企业不断推出新的产品和新的商业模式，不断
地蚕食着传统银行业务。而银行业的互联网金融阵营稍显被动，对于突如其来的
互联网企业竞争对手，疲于应付，传统银行的互联网化则更多地止步于电子银行，
电子银行对银行来说仅仅是多了一种渠道。第三方支付快速发展随着互联网交易
平台的迅速发展，作为信用中介的第三方支付应运而第三方支付方式的出现，既
解决买卖双方相互不信任的尴尬问题，又对电子商务的发展起到巨大的推动作
用。全球各地的网民使用第三方支付完成在线支付，仅次于网上银行的直接支付;
第三方互联网支付仅次于网银，成为网民第二大电子支付方式。
　　移动支付业务保持高位增长，随着移动技术的成熟发展，近年以手机"平板
电脑等为主的智能终端的广泛应用，苹果、安卓系统等移动互联网支付以雨后春
笋般的速度急速发展，并初具规模。此外，网络理财迅速发展，网络理财就是投
资人 ( 或家庭) 通过互联网获知商家提供的理财产品信息，根据外界条件等的
变化对其剩余资产的存在形态进行适时调整，以实现个人或家庭资产收益最大化
的一系列活动。在这个金融市场瞬息万变"金融信息爆炸的年代，网络理财为投
资人尤其是个人理财投资者提供极大便利性。
3互联网金融下的电子银行发展
3.1重视用户体验，完善服务质量
对于传统银行来说，最大的挑战，在于思维方式的改变。互联网金融不可逆的形
势会带来银行内部技术，人才以及各种机制政策的调整。对电子银行这个团队来
说，是打造客户体验最有利的部门。因为电子银行部门是最了解客户的一个群体。
自电子银行成立运营以来，便直接服务于客户，而不像传统银行，通过柜台"大
堂经理提供服务!如果在后台流程体验上设计不当，便会有服务人员协助跟进弥
补，但是手机银行，网上银行在进行金融互联网化服务时，几乎没有银行人员协
助，用户体验数据就可以完整体现，包括客户的使用时间，功能喜好等。电子银
行掌握了用户体验的第一手资料，通过分析数据，进行适时调整，最大化地满足
客户需求，因此，只有重视客户体验，将其视为电子银行发展的生命线，才能推
动电子银行的快速发展，促进金融互联网化。（本译文归百度文库所有，完整译
文请到百度文库）
3.2规模化运营
　　互联网所代表的先进生产力有三层含义: 第一层是外在能力，如互联网产品
设计平台性能等; 第二层是互联网企业的客户运营能力; 第三层是开放"分享和
创新精神。金融与互联网的结合也需要同时体现在这三个层面!互联网金融的本
质是一种平台战略，所谓平台战略，是指连接两个 ( 或更多) 特定群体，为他
们提供互动机制，满足所有群体的需求，并巧妙地从中赢利的商业模式。目前，
对银行而言，早已搭建网络平台并通过其完成金融业务，但是互联网对它而言只
是一种渠道。况且，搭建互联网金融物理平台只是第一步，只有通过平台运营吸
引大量客户进入平台，才能真正发挥平台的价值，如果没有客户规模的保障，银
行业的互联网金融只能望洋兴叹!而吸引客户进入平台，通过平台留住客户，互
联网金融重在利用平台吸引客户"运营客户，最后把有交易需求的客户引导至银
行交易系统完成交易实现。总之，银行要转化视角，转变观念，换位思考，体现
客户的价值，把平台规模做大，银行就能获得自己的价值。
3.3加速互联网新技术与银行新业务的融合发展
　　目前大量的金融业务都需要通过网上操作来完成，特别是网上银行"第三方
支付"移动支付等业务，发展十分迅猛。但是金融领域的互联网化，使不少配套
措施无法及时跟进，存在不少安全隐患，特别是在安全技术的应用上，缺乏必要
的标准指导。银行系统平台的开发利用也缺乏必要且充足的时间进行测试，也会
留下安全隐患。这就对银行互联网技术层面提出更高的要求!银行网络后台的操
作系统，数据库甚至极为重要的核心系统，一旦出问题，哪怕极小的故障，都会
对银行业务造成严重影响!因此，对于银行系统的建设"维护，以及银行业务连续
性的保障等，提出了更高要求!银行要加强互联网新技术的研究应用，尤其对大
数据挖掘分析方面，银行有获取第一手客户数据的便利性 ( 银行经营的是资金，
但资金对应的是数据，银行本质上经营的是数据)，另外，研究应用新技术的同
时，加速新技术与银行新业务的融合发展，为电子银行发展卯足后劲的移动支付
更要进行融合发展。当然，高素质的网络金融人才是互联网新技术与银行新业务
融合发展的前提条件，同时，需要银行相关人员也要不断加强自身的理论素养和
操作技能 。电子银行是基于互联网而应用的，其具有开放性，同样，一些重要
的数据信息也有被窃取利用篡改的风险，移动支付近年来后劲十足，为电子银行
的发展起到强大的推动作用，但是移动支付也是通过无线网络来进行的，所以也
面临着信息安全风险。因此，加强信息安全的宣传"引导，尤其是对客户在电子
银行安全方面的引导显得格外重要。另外，协助"配合相关监管部门，共同构筑
一个电子银行安全教育和有效惩治在线欺诈的信息安全防护网，进行全方位的信
息全保障服务。
　　综上所述，在互联网金融快速到来的时代，电子银行要转变观念，以用户需
求和互联网创新为突破口，创新电子银行服务模式，快速提升电子银行客户体验
和渠道整合水平，通过满足快速变化的金融消费需求和便捷安全的服务体验需求
来提升客户满意度，高度重视安全控制和风险管理，实现电子银行科学发展和可
持续发展。此外，还要积极探索数字营销新应用。通过外部活动、社交媒体等渠
道或投入网络爬虫等技术手段，获取客户社交关系树与客户行为关系树，灵活匹
配中间业务定价政策和营销活动，实现高效的社交营销；以客户手机或卡号为中
心收集有关浏览数据，积累精准营销资源；积极加强与互联网公司、运营商等在
LBS 数据、通话数据的接洽，联合开展新型营销活动。 总的来看，面对互联网
金融的快速发展，商业银行要做好相关准备，必须吸收和借鉴行业最新创新成果，
才能实现电子银行业务又好又快发展。
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文献出处: RICHARD C. Internet Finance's Impact on Traditional Finance [J]. The Journal of International Finance, ): 13-29. （本译文归百度文库所有，完整译文请到百度
宿州市祁县中学2011校园文化艺术节 活 动 方 案 宿州市祁县中 二零一一年十月 学 第1/6页 宿州市祁县中学2011年校园文化艺术节 活动方案 一、指导思想： 加强校园文化建设，进一步营造我校积极健康、高雅文明的人文环境，陶冶学生情操，丰富学生的课余生活，发挥学生个性特长，启迪智慧，激发创造
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龙源期刊网 .cn 高中语文课堂还是实在一点好 作者：蔡春丽 来源：《中学课程资源》2013年第03期 学校组织公开课，听语文课的人往往最多。因为各个学科的领导和教师都能听懂语文课， 评课时多少都能有一些自己的意见。其实，不同学科的教学有不同的特点，不同教师
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