互联网金融对传统金融影响(外文翻译).doc

译文（字数 2859）：

合作还是竞争：我国商业银行与大数据为基础的电子商务金融机构之间的演化博弈研究

一、导论与文献综述

基于互联网的融资模式已在中国迅速发展。它已被视为第三种融资模式，不同于商业银行的间接融资和资本市场的直接融资。它包括六种模式：第三方支付、P2P、大数据为基础的融资、众筹、基于互联网的传统金融机构和互联网金融门户网站。以大数据为基础的融资模式是最为出名的，其中最重要的是对社会和经济的参与和影响。以大数据为基础的融资模式已经被定义为一种融资服务的集体模式，包括通过云计算和大数据分析技术分析大量的非结构化数据。我们把它与传统金融服务相结合，创造性地发展经济和金融工作。如今，在中国，大数据融资模式中最具有代表性的模型包括电子商务平台，大数据和金融服务。其中，电子商务平台是大数据的载体。大数据是基于大数据的融资模式的核心和基础，所有金融服务都依赖于电子商务平台的大数据。以前的研究是不够的。我们使用阿里巴巴和京东金融集团股份为例，他们是中国电子商务金融机构的代表。他们正在收集历史的电子商务贸易信息和其他客户的数据并且进一步应用其他云计算等先进技术提供信用评级，小额贷款，并且对在风险可控的条件下需要贷款或者其他融资服务的电子商务客户提供担保服务。

外文原文（字符数 9174）：

Cooperation or Competition: An Evolutionary Game Study between Commercial Banks and Big Data-Based E-Commerce Financial Institutions in China

1. Introduction and Literature Review

The Internet-based financing mode has been developing rapidly in China. It has been viewed as the third financing mode, which is different from indirect financing of com-mercial banks and direct financing of capital markets.It includes six kinds of modes: the third-party payment,P2P, big data-based financing, crowd funding, Internet-based traditional financial institutions, and internet-financial portal website. The big data-based financing mode is the most well known, which has the most significant involvement and impact on the society and economy.The big data-based financing mode has been defined as a collective mode of financing service, including analyzing a large number of unstructured data by cloud computing and big data analysis technology. We combine it with traditional financial services to develop economics and financial work creatively.Nowadays, the most representative model of the big data-based financing mode in China includes e-commerce plat-form, big-data, and financial service. The relationship among them is that the e-commerce platform is the carrier of the big data. The big data is the core and foundation of the big data-based financing mode and all financial services are dependent on the big data from e-commerce platform. The prior study is insufficient. We use Alibaba and Jingdong finance corpo-ration as case study, representatives of e-commerce financial institutions in China.