文献出处:amsy; Loed.ItertFinance Imt Tatnal inance . he Jurnalo IntenatonaFice, , 16()：349.原文en Fices mat o TadtionaFincesey; LarAstr shavancs n oden inormatio ad ernet techlo， epcally thelp fcdcoptig, igat， blIternet, ercnnes a ocial tork, prfdy chane, ee ubrt a tradtio idustries，athfinclusrys no exn. recent yeas，finacialinusy a beo thmostfrehig area influncedy Intere, ater ommercia distbutio n temed May tert-basefinancial ecmoel heemerge，nd a hada prfound ndhgeipac on tadional finanial indutries InternetFnance has nte focs of b atenion.ntet-Fiace i low cos, hefficinc， adpy ore ttniont th ur xperie, ad feature eble fu met hepcil needs o trdiollon til fiancimet，to flexbly roid more coveint and eficinancialeres andvesifie fial rodcts, to greatlyexpd t scoe an dept ofiancial servics,o shornhe dstance btwee pol spacn i, a to stabsanew fiancil environent, whih effctivly intgtend takeu offrantd ime, formaion,capital and oterscttered resore, he add p to for a scale, ad gowa new rfipoint for vrius finialntitutionsMreover， wth the contnou enratio and ngrion i traiol fnancial field, Inrnet-innce wil bring new chalees， btalsoopportuntishe trationa.I conrbutet te tnson oft tradionlcmmrcialbks， pea fo the lack of effinc fundig proces and infomation intgraio,aroedisbtochannels o securie， inurne, fusntherfnacalduts. Fo mnM, Interne-Finanetendti fnang nnls, ueher inanci threshol， an imre he eficieny in usn funds. ower, thcross-ndustry ature teInternet Finnce deterines tri cts re mormplex， sensveandvrid， andtheree e mut popelyhandete rltosibetwen innovative delopmn ad mrke regulation,dury self-rgtion.Ky Wrd:Internet Finnc; orcal ak;Efect; Rgultry1Itrotionhecontinuous eope f ere tecnolg, lo comptng， g dat,a gr nberf tet apition such as social netwoso h usesdvelopmet of aitional indtry roides asronsupr, he levl of penetation f thenternet ontherdiional industr. Thend f the 20thcentury, Moof hairmnBi Gates, who ered, te raditona comercia bank will beoe thenew entuy dinosaur owda,withe evelopent oth Inernet lctroic formatin tnooy, we eal et ti td, mobe ymen, eletronibankadyoccupies theipotat posiionin ourilfe.De the cocept of the Iterntinancialamost tirel fom the siess paces,trfore the present stdyfocued n he susion. Internnia specic ode, n th flene o trdtnl fial in alysis and coermsuresre lakofteicreseach. Interne hs aaysben kybatlegroudin ris invesmen，an finail inust i ththinki odf nnovatie emnalvru busnesmodlsmere in nlessly, s i s diffcult usa fixedset of hinki t clsifitio ad enitioThe ulpeneraonan integationof Iern an fancial, isarefleci ofthical evelopet nd makerulseirments, is a ireversb rnd. he nretrng traitina finaial is not onl a o st a ig ffiecy， ore is kid oinnatie tinking modeand nrmig rsuit ofth seprience Te taitionaicil industrto atvl resond to. Inninacia, or uch vas blue en enough t angehe worl, it sery orthy of tento tosraighte ou s dvepet，from te stn busnessmodeto t dvelpme rospcts.Iternt inanciblogstthe latet frats form, icusses th ternet finacia reeach fiterate， ut t lack f stmcad moprtical. his ace ccding tthe charactestic of the ntenindsty racalsnge,e everl buinessmods e aet fr smmary aalsis,an he traitonafinialidutry how acielyrspod tothe enewao fnnal analis and Sgestins ae gin, istrn acca igncnce Inernenancil bacgrndInterntinncl parbased on ntenerc,o theasis of thebigdat n odcomputng new nncial model. Iten finance wt the helpohe Irne ecnoly，oil communiatntchnoog reae inang， yment a