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paper代写-The influence of Internet finance on traditional Banks

2019-07-11 | 来源:51due教员组 | 类别:Paper代写范文

下面为大家整理一篇优秀的paper代写范文- The influence of Internet finance on traditional Banks,供大家参考学习,这篇论文讨论了互联网金融对传统银行的影响。互联网金融是互联网技术和金融相结合的一种新型模式,它的出现给传统银行带来了巨大的影响。这种新型的网络交易模式,让人们仅仅通过互联网就能在任何时间地点轻松进行各项交易,拓宽了传统银行的业务渠道,并且传统银行的金融业务模式也由此发生变化,从而吸引更多使用人群。

Internet finance,traditional Bank,英国论文代写,论文代写,paper代写

The emergence of the Internet financial can say a lot on the one hand is to cater to modern dependence on the network, in today's society, the Internet almost everywhere, in the life is filled with the shadow of the Internet, due to the popularity of the Internet, businesses found on e-commerce business opportunities to make many electronic products, such as various types of mobile phones, tablets, computers and so on, people use these electronic products for entertainment, communication, work, now, these electronic products has become the people indispensable items, therefore, the emergence of the Internet technology has brought great convenience to people's life. In finance, traditional banking technology has been to keep up with the pace of life of people, hence the birth of the Internet financial this new model, today, the Internet financial this word is not strange to us, in the financial world, the development of the Internet financial become the relevant personage of the most important question, because of the emergence of the Internet financial brought business opportunities and convenience for many businesses, compared with the traditional bank, Internet financial more convenient and concise, which makes up for the traditional bank some shortage, not only makes traditional Banks to innovate because of this, and because many financing shortcut, alleviate many of the financing difficulty of small enterprises, Electronic commerce also develops accordingly. Today, although our country's Internet financial has had certain development, but is still very competitive in the international, and the Internet banking of our country still exists many problems, facing many challenges.

Literally, Internet financial technology and the Internet to finance a new mode of combining, in fact, the Internet financial is the use of the Internet technology resources is rich, interactive and open characteristics of equality in financial transactions on the Internet platform model, which is the financial service system of the business, of course, including the use of the Internet other functions, such as, the market system, product system, organization system and so on, especially in people already safety after the flexible use of electronic commerce, the emergence of the Internet financial after familiar can well accepted and used. Internet financial already appeared in the western countries, however, and today's development is relatively mature, it has been widely used, and developed a mature legal regulation system, but in our country, the technology development of late, many problems still exist in many system, especially in terms of regulatory laws, so the foreground is not optimistic, many criminals use the immature situation network fraud, harm to the society as a whole, therefore, the development of the Internet financial restrictions, to remove this limitation, we must establish a perfect legal supervision system and the system, at the same time, remove all sorts of false personal information online, clean network environment, Establish and strengthen personal credit system, remove the obstacles of Internet finance development from these aspects.

Internet financial model has obvious characteristics of the Internet, it is these characteristics lead to the development of the Internet financial, first of all, the most outstanding characteristic is convenient and quick, not limited by time and space, the development of modern society more and more quickly, and do things as exquisite high effect, and the Internet financial can at any time and place for a simple quick transaction, this feature just meet the needs of society, compared with traditional financial transactions, this way not only save manpower, quick and convenient, without being limited by the space and time. Then there are the development of the Internet financial speed, as the world's largest retail trading platform, alibaba group with taobao, Tmall, bargain, and other network marketing companies, pay treasure to trade exceeded 300 million in 10 years, and in two years after online trading amount to 3.8 billion. Alibaba's example is a good example of the rapid development of Internet finance. The last advantage is the wide range of use. It is precisely because the Internet surpasses the limitation of time and space that Internet finance can take advantage of this advantage to attract more people to use it.

Compared with before, the bank service crowd mostly workers, age is basically the middle-aged and young workers, and the influence of the Internet, traditional bank service object will shift to a large number of people using the Internet, especially after the Internet financial businesses to launch all kinds of new network trading pattern, people only need through the Internet can easily be performed at any time and place the deal, the new model to broaden the traditional banking business channel, and financial business model of the traditional bank changes, so as to attract more use of the crowd.

Traditional bank is to act as a financial trading intermediary function, the financial function of the greatly reduced the bank and business, traditional Banks to trade within the given time and place of business is now only need through the Internet and the app is simple operation can complete, look from artificial great saves manpower and time. At present, many small and medium-sized enterprises use this technology to develop various forms and ways of lending and financing and other business models. The expansion of these enterprises has impacted the business of traditional Banks to a certain extent.

Internet financial of cloud computing, big data, micro lending the three technology make the enterprise can understand customer's credit situation, and then set up lending to small businesses and needs of individual customers credit trading platform, between individuals and businesses effectively solve the difficult problem of funds, the simple and efficient way to trade greatly cut the cost of trade, improve the efficiency of resource allocation.

Financial industry is the core of our country's economy, the bank is an important place to conduct financial business, so the stable development of the bank has a great influence on the development of our country's economy, the emergence of the Internet financial in a certain extent caused great impact to our traditional Banks, but the products derived from this by Internet in the new period in many respects, catering to the demands of modern humans, but due to the technology development in our country is not yet mature, especially in the legal supervision level has not formed the perfect system, lead to many network crime phenomenon, the emergence of these negative phenomenon also is precisely the role of the traditional bank have no alternative, But the advantage of the Internet financial also cannot small gaze, in future development, the traditional bank to strengthen the now need to conform to the need of The Times, with the Internet financial effective combination, to achieve the common development of win-win situation.

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