文献出处: Ramsey； Labored。 Internet Finance’s Impact on Traditional Finance [J］。 The Journal of International Finance, 2024, 16(2）: 31—49.原文Internet Finance’s Impact on Traditional FinanceRamsey； 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. Moreover， with the continuous penetration and integration in traditional financial field， Internet—Finance will bring new challenges, but also opportunities to the traditional. It contribute to the transformation of the tr...
