互联网金融电子银行外文文献翻译2014年译文3050字大数据

文献出处:RICHARD C. Internet Finance's Impact on Traditional Finance [J]. The Journal of International Finance, 2014, 6(12): 13-29.

（本译文归百度文库所有，完整译文请到百度文库）

原文

Internet Finance's Impact on Traditional Finance

RICHARD C

Abstract

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: Internet financial; Electronic banking; Third-party payment; 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 the bank on the net; Third-party Internet payment after net silver, become the second largest Internet users electronic payment.

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 platform performance; the second is the customer of the Internet enterprise operation ability; 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 value.

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 effective social marketing; Customer data collected about browsing mobile phone or card number as the center, to accumulate accurate marketing resources; 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.

译文

互联网金融下的电子银行发展

作者：理查德·科勒

摘要

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）

英文文献翻译

中等分辨率制备分离的快速色谱技术 W. Clark Still,* Michael K a h n , and Abhijit Mitra Departm(7nt o/ Chemistry, Columbia Uniuersity,1Veu York, Neu; York 10027 ReceiLied January 26, 1978 我们希望找到一种简单的吸附色谱技术用于有机化合物的常规净化。这种技术是适于传统的有机物大规模制备分离，该技术需使用长柱色谱法。尽管这种技术得到的效果非常好，但是其需要消耗大量的时间，并且由于频带拖尾经常出现低复原率。当分离的样本剂量大于1或者2g时，这些问题显得更加突出。近年来，几种制备系统已经进行了改进，能将分离时间减少到1-3h，并允许各成分的分辨率ΔR f≥（使用薄层色谱分析进行分析）。在这些方法中，在我们的实验室中，媒介压力色谱法1和短柱色谱法2是最成功的。最近，我们发现一种可以将分离速度大幅度提升的技术，可用于反应产物的常规提纯，我们将这种技术称为急骤色谱法。虽然这种技术的分辨率只是中等（ΔR f≥），而且构建这个系统花费非常低，并且能在10-15min内分离重量在的样本。4 急骤色谱法是以空气压力驱动的混合介质压力以及短柱色谱法为基础，专门针对快速分离，介质压力以及短柱色谱已经进行了优化。优化实验是在一组标准条件5下进行的，优化实验使用苯甲醇作为样本，放在一个20mm*5in.的硅胶柱60内，使用Tracor 970紫外检测器监测圆柱的输出。分辨率通过持续时间（r）和峰宽（w,w/2）的比率进行测定的（Figure 1），结果如图2-4所示，图2-4分别放映分辨率随着硅胶颗粒大小、洗脱液流速和样本大小的变化。

P2P 金融下的中小企业融资互联网金融外文文献翻译最新译文

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互联网金融外文翻译银行业是必要的而银行不是,互联网时代的金融中介的未来

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客户关系管理系统外文文献翻译(2017)

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