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言简意赅，远见卓识，望君采纳，谢谢！删除水印可，编辑页眉，选中水印，点击删除。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-Finance"haswinthefocusofpublicattention.Internet-Financeislowcost,highefficiency,andpaysmoreattentiontotheuserexperience,andthesefeaturesenableittofullymeetthespecialneedsoftraditional"longtailfinancialmarket",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,sensitive言简意赅，远见卓识，望君采纳，谢谢！删除水印可，编辑页眉，选中水印，点击删除。andvaried,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,i...