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文献出处:Ramsey;Labored.InternetFinance'sImpactonTraditionalFinance[J].TheJournalofInternationalFinance,2014,16(2):31-49.原文InternetFinance'sImpactonTraditionalFinanceRamsey;Labored.AbstractAstheadvancesinmoderninformationandInternettechnology,especiallythedevelopofcloudcomputing,bigdata,mobileInternet,searchenginesandsocialnetworks,profoundlychange,evensubvertmanytraditionalindustries,andthefinancialindustryisnoexception.Inrecentyears,financialindustryhasbecomethemostfar-reachingareainfluencedbyInternet,aftercommercialdistributionandthemedia.ManyInternet-basedfinancialservicemodelshaveemerged,andhavehadaprofoundandhugeimpactontraditionalfinancialindustries.Internet-Financehaswinthefocusofpublicattention.Internet-Financeislowcost,highefficiency,andpaysmoreattentiontotheuserexperience,andthesefeaturesenableittofullymeetthespecialneedsoftraditionallongtailfinancialmarket,toflexiblyprovidemoreconvenientandefficientfinancialservicesanddiversifiedfinancialproducts,togreatlyexpandthescopeanddepthoffinancialservices,toshortenthedistancebetweenpeoplespaceandtime,andtoestablishanewfinancialenvironment,whicheffectivelyintegrateandtakeuseoffragmentedtime,information,capitalandotherscatteredresources,thenadduptoformascale,andgrowanewprofitpointforvariousfinancialinstitutions.Moreover,withthecontinuouspenetrationandintegrationintraditionalfinancialfield,Internet-Financewillbringnewchallenges,butalsoopportunitiestothetraditional.Itcontributetothetransformationofthetraditionalcommercialbanks,compensateforthelackofefficiencyinfundingprocessandinformationintegration,andprovidenewdistributionchannelsforsecurities,insurance,fundsandotherfinancialproducts.FormanySMEs,Internet-Financeextendtheirfinancingchannels,reducetheirfinancingthreshold,andimprovetheirefficiencyinusingfunds.However,thecross-industrynatureoftheInternetFinancedeterminesitsriskfactorsaremorecomplex,sensitiveandvaried,andthereforewemustproperlyhandletherelationshipbetweeninnovativedevelopmentandmarketregulation,industryself-regulation.KeyWords：InternetFinance;CommercialBanks;Effects;Regulatory1IntroductionThecontinuousdevelopmentofInternettechnology,cloudcomputing,bigdata,agrowingnumberofInternetapplicationssuchassocialnetworksforthebusinessdevelopmentoftraditionalindustryprovidesastrongsupport,thelevelofpenetrationoftheInternetonthetraditionalindustry.Theendofthe20thcentury,MicrosoftchairmanBillGates,whodeclared,thetraditionalcommercialbankwillbecomethenewcenturydinosaur.Nowadays,withthedevelopmentoftheInternetelectronicinformationtechnology,wereallyfeltthistrend,mobilepayment,electronicbankalreadyoccupiestheimportantpositioninourdailylife.DuetotheconceptoftheInternetfinancialalmostentirelyfromthebusinesspractices,thereforethepresentstudyfocusedonthediscussion.Internetfinancialspecificmode,andtheinfluenceoftraditionalfinancialindustryanalysisandcountermeasuresarelackofsystemicresearch.Internethasalwaysbeenakeybattlegroundinriskinvestment,andfinancialindustryisthethinkingmodeofinnovativeexperimentalvariousbusinessmodelsemergeinendlessly,soitisdifficulttouseafixedsetofthinkingtoclassificationanddefinition.ThemutualpenetrationandintegrationofInternetandfinancial,isareflectionoftechnicaldevelopmentandmarketrulesrequirements,isanirreversibletrend.TheInternetbringtraditionalfinancialisnotonlyalowcostandhighefficiency,moreisakindofinnovativethinkingmodeandunremittingpursuitoftheuserexperience.Thetraditionalfinancialindustrytoactivelyrespondto.Internetfinancial,forsuchavastblueoceanenoughtochangetheworld,itisveryworthyofattentiontostraightenoutitsdevelopment,fromtheexistingbusinessmodeltoitsdevelopmentprospects.Internetfinancialbelongstothelatestformatsform,discussestheInternetfinancialresearchofliterature,butthelackofsystemicandmorepractical.SothisarticleaccordingtothecharacteristicsoftheInternetindustrypracticalstronger,theseveralbusinessmodelsonthemarketforsummaryanalysis,andthetraditionalfinancialindustryhowtoactivelyrespondtotheInternetwaveoffinancialanalysisandSuggestionsaregiven,withstrongpracticalsignificance.2InternetfinancialbackgroundInternetfinancialplatformbasedonInternetresources,onthebasisofthebigdataandcloudcomputingnewfinancialmodel.InternetfinancewiththehelpoftheInternettechnology,mobilecommunicationtechnologytorealizefinancing,paymentandinformationintermediarybusiness,isatraditionalindustryandmoderninformationtechnologyrepresentedbytheInternet,mobilepayment,cloudcomputing,datamining,searchenginesandsocialnetworks,etc.)Producedbythecombinationofemergingfield.WhetherfinancialortheInternet,theInternetisjustthedifferenceonthestrategic,thereisnostrictdefinitionofdistinction.AsthefinancialandthemutualpenetrationandintegrationoftheInternet,theInternetfinancialcanreferallthroughtheInternettechnologytorealizethefinancingbehavior.InternetfinancialistheInternetandthetraditionalfinancialproductofmutualinfiltrationandfusion,thenewfinancialmodelhasaprofoundbackground.TheemergenceoftheInternetfinancialisacravingforcostreductionistheresultofthefinancialsubject,isalsoin