互联网金融背景下大学生基金购买行为研究外文翻译资料

互联网金融背景下大学生基金购买行为研究

摘要：互联网技术不断发展，传统券商例如国泰君安也开始了互联网金融的尝试与转型，注重最新的互联网信息技术将其容入目前的业务线。中国是储蓄与互联网大国，互联网金融的出现改变了中国人的消费与投资习惯，成为中国居民投资转型的重要工具与方式。

关键词: 互联网金融; 投资；消费

引用文献一：

互联网金融背景下证券公司经纪业务转型研究——以国泰君安证券为例

原文作者 ：Qiong Huang 单位：Fuzhou University of International Studies and Trade

随着互联网技术的快速发展，人们的生活也在发生变化，互联网技术已经渗透到人们的生活中。证券公司是证券业的重要组成部分。如果你想要利用这种情况，你必须首先了解如何改变。证券经纪业务是证券公司发展的重点，因此经纪业务的优化升级是主要方向。传统的商业模式已不再适用于现在。现阶段，证券公司需要将互联网技术与传统业务相结合，利用互联网平台进行改进和完善，向互联网金融转型。本文以国泰君安为主体，对其进行深入探讨，希望对同行业其他证券公司的发展起到一定的借鉴作用。

在这个阶段，互联网技术已经进入人们的生活，给人们的生活带来了巨大的变化。因此，人们越来越依赖互联网技术。证券公司逐步向互联网靠拢，通过互联网平台开展业务。因此，证券公司不能再自满，需要乘势而上，将传统业务与互联网相结合，实现业务的优化和推广。

互联网金融就是把互联网和金融连接起来，产生新的产品。其实质是探索如何在互联网背景下构建一个更完整的具有时效性和阶段性特征的金融生态系统。互联网金融创新了支付方式，优化了资源配置。

提供智能在线服务，实现智能客服关怀服务，能有效帮助客户解决问题，同时节省客户时间。国泰航空采用科技与服务相结合的方式来转型零售。全面实施智能和生物识别技术，推动完善零售服务体系。

国泰君安已逐步从原有的渠道经纪模式转变为财富管理模式，促使企业减少对渠道经纪的依赖，将自身建设成为一家多层次的证券公司。在资本市场的不断调整和完善中，促进了证券公司的直接融资和并购重组。国泰君安始终致力于现有产品和服务类型的开发与创新，积极研发差异化产品，将自身打造成客户价值最大化的综合金融服务提供商。

经纪业务收入占比下降。从2012年到2019年的八年时间里，我国证券业的经纪证券交易净收入从504.07亿元增长到787.63亿元，并呈现上升趋势。营业收入呈现快速增长，但经纪业务收入已进入停滞阶段。经纪业务取决于市场的变化。在2017年之前，国内证券公司的收入主要来自经纪业务。根据行业数据可知，2017年自营业务收入首次超过经纪业务收入。

佣金有下降的趋势。互联网技术与传统金融正在融合，互联网金融应运而生。于是出现了互联网产品和服务。证券交易形式逐渐从传统的线下交易转向移动客户端。证券业佣金率从2012年的0.081%下降到2019年的0.0349%。

外文文献出处：Qiong Huang. Research on the Brokerage Business Transformation of Securities Companies under the Background of Internet Finance-- Taking Guotai Junan Securities as an Example[J]. Scientific Journal Of Humanities and Social Sciences, 2021, 3(10)

Research on the Brokerage Business Transformation of Securities Companies under the Background of Internet Finance ‐‐ Taking Guotai Junan Securities as an Example

Keywords：Internet Finance; Business Transformation; Guotai Junan.

With the rapid development of Internet technology, peoples lives are also changing, and Internet technology has penetrated into peoples lives. Securities companies are an important part of the securities industry. If you want to take advantage of the situation, you must first understand how to change. The securities brokerage business is the focus of the development of securities companies, so the optimization and upgrading of the brokerage business is the main direction. The traditional business model is no longer applicable to the present. At this stage, securities companies need to integrate Internet technology with traditional businesses, use the Internet platform to achieve an improvement and perfection, and transform into Internet finance. This article takes Guotai Junan as the main body and conducts in‐depth exploration of it, hoping to play a certain reference role for the development of other securities companies in the same industry.

At this stage, Internet technology has entered peoplersquo;s lives and brought tremendous changes to their lives. Therefore, people are becoming more and more dependent on Internet technology. Securities companies are gradually moving closer to the Internet and operating their businesses through Internet platforms. Therefore, securities companies can no longer be complacent and need to take advantage of the trend and integrate traditional businesses with the Internet to achieve business optimization and promotion.

Internet finance simply connects the Internet and finance to produce new products. The essence is to explore how to build a more complete financial ecosystem under the background of the Internet, which has the characteristics of timeliness and phases. Internet finance has innovated the form of payment and improved the allocation of resources.

Provide intelligent online services, intelligent customer service to achieve caring services, can effectively help customers solve problems, while saving customers time. Cathay Pacific adopts a combination of technology and service to transform retail. Fully implement intelligence and biometric technology into the work to promote the improvement of the retail service system.

Guotai Junan has gradually transformed from the original channel brokerage model to a wealth management model, urging enterprises to reduce their dependence on channel brokerage and build itself into a multi‐level securities company. And in the continuous adjustment and improvement of the capital market, direct financing, mergers and acquisitions and reorganization of securities companies are promoted. Guotai Junan has always been committed to the development and innovation of existing products and service types, actively researching and developing differentiated products, and establishing itself as a comprehensive financial service provider to maximize customer value.

The proportion of brokerage business income declined. In the eight years from 2012 to 2019, the net income of brokerage securities trading in my countrys securities industry rose from 50.407 billion yuan to 78.763 billion yuan, showing an upward trend. Operating income showed a rapid rise, but the brokerage business income has entered a stagnant stage.Brokerage business depends on market changes. Before 2017, the revenue of domestic securities firms mainly came from the brokerage business. According to industry data, it can be known that the revenue of self‐operated business in 2017 exceeded that of the brokerage business for the first time.

Commissions are showing a downward trend. Internet technology is merging with traditional finance, and Internet finance has emerged as the times require. Thus appeared Internet products and services. The form of securities trading has gradually changed from traditional offline trading to mobile clients. The commission rate of the securities industry dropped from 0.081% in 2012 to 0.0349% in 2019.

引用文献二：

互联网经济下居民消费与金融投资行为研究

原文作者：XinPing Mao

单位：Dongguan University of Te

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Research on the Brokerage Business Transformation of Securities Companies under the Background of Internet Finance ‐‐ Taking Guotai Junan Securities as an Example

Qiong Huang
Fuzhou University of International Studies and Trade, Fuzhou, Fujian 350202, China

Abstract

With the rapid development of Internet technology, peoples lives are also changing, and Internet technology has penetrated into peoples lives. Securities companies are an important part of the securities industry. If you want to take advantage of the situation, you must first understand how to change. The securities brokerage business is the focus of the development of securities companies, so the optimization and upgrading of the brokerage business is the main direction. The traditional business model is no longer applicable to the present. At this stage, securities companies need to integrate Internet technology with traditional businesses, use the Internet platform to achieve an improvement and perfection, and transform into Internet finance. This article takes Guotai Junan as the main body and conducts in‐depth exploration of it, hoping to play a certain reference role for the development of other securities companies in the same industry.

Keywords

Internet Finance; Business Transformation; Guotai Junan.

1. Introduction

At this stage, Internet technology has entered peoplersquo;s lives and brought tremendous changes to their lives. Therefore, people are becoming more and more dependent on Internet technology. Securities companies are gradually moving closer to the Internet and operating their businesses through Internet platforms. Therefore, securities companies can no longer be complacent and need to take advantage of the trend and integrate traditional businesses with the Internet to achieve business optimization and promotion.

2. The Development Status of My Countrys Securities Company Brokerage Business under the Background of the Internet

2.1. Internet Finance

2.1.1. InternetFinanceConcept

Internet finance simply connects the Internet and finance to produce new products. The essence is to explore how to build a more complete financial ecosystem under the background of the Internet, which has the characteristics of timeliness and phases. Internet finance has innovated the form of payment and improved the allocation of resources.

2.1.2. CharacteristicsoftheInternet

Internet finance has the characteristics of convenience, low cost, and openness. This allows Internet finance to quickly collect customer information, and on this basis, it can carry out precise marketing and provide customers with individual services and assistance. (1) Transaction information is relatively symmetrical. The existence of Internet finance enables

financial institutions and customers to grasp each otherrsquo;s information in a timely manner, which not only saves input costs, but also increases transaction efficiency. (2) Construct a one‐ to‐one mode of buying and selling. Internet finance implements a one‐to‐one platform trading model, and customers and financial institutions can conduct in‐depth communication according to their own needs and conditions. Under the impetus of Internet technology, the intermediary of traditional capital will be replaced by the existing Internet platform, realizing a modern transformation of the financial system. (3) High risk and safety requirements. The use of Internet technology can reduce the cost of investment, and improve the efficiency in the transaction, increasing the economic benefits that can be obtained in the transaction. (4) Strong data mining ability. Information data has become an important strategic resource, and data mining technology can carry out systematic and in‐depth exploration of information and is an important financial tool.

2.2. Status Quo of the Development of Brokerage Business of Securities Companies

2.2.1. SecuritiesCompanyBrokerageBusinessConcept

The essence of the securities brokerage business is to help clients manage their assets and put the clients entrustment in place, so that the assets can increase and maintain their value.

2.2.2. TheCurrentSituationofBrokerageBusinessofMyCountrysSecurities Companies

The proportion of brokerage business income declined. In the eight years from 2012 to 2019, the net income of brokerage securities trading in my countrys securities industry rose from 50.407 billion yuan to 78.763 billion yuan, showing an upward trend. Operating income showed a rapid rise, but the brokerage business income has entered a stagnant stage.Brokerage business depends on market changes. Before 2017, the revenue of domestic securities firms mainly came from the brokerage business. According to industry data, it can be known that the revenue of self‐operated business in 2017 exceeded that of the brokerage business for the first time.

Commissions are showing a downward trend. Internet technology is merging with traditional finance, and Internet finance has emerged as the times require. Thus appeared Internet products and services. The form of securities trading has gradually changed from traditional offline trading to mobile clients. The commission rate of the securities industry dropped from 0.081% in 2012 to 0.0349% in 2019.

3. Development Status of Guotai Junan Securities Brokerage Business 3.1. Introduction to Guotai Junan Securities

Guotai Junan Securities was born in the late 1990s and is characterized by large scale, long‐ term sustainability and overall leadership. The company was successfully listed in July 2010, and its stock code is 601211. The comprehensive strength of G

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