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1、本科毕业论文（设计）外文翻译原文：E-Finance:CurrentDevelopments,Issues,Impacts,andFutureAsthegrowthofInternetbroadensitsscope,e-financegrowsaccordingly.Aspartofe-commerce,e-financehasitsownuniquecharacteristics.Ononehand,theInternetoffersconvenience,pricetransparency,andbroaderaccesstoinformationandlowercosts
2、;ontheotherhand,financialservicesaredataintensiveanddonotgenerallyneedphysicaldeliveryofproducts.Thecombinationofthetwoseemstogiveuniqueadvantagestohelpe-financialservicesgrowfasterthanothere-commercesectors.TheimpactofInternetontraditionalfinancialservicescanbecategorizedintopricetransparenc
3、y,differentialpricing,andbypassanddisintermediation.Sincethereisnobroadlyaccepteddefinitionofe-finance,wetentativelydefinee-financeastheprovisionoffinancialservices:Internetbanking,brokerage,payment,mortgageandotherlending,insuranceandrelatedservicesovertheInternetorviaotherpublicnetworks.Sat
4、o(2001)showsrecentdevelopmentsine-finance.Thegrowthoffinancialservicesisestimatedtoexceedonetrilliondollars.Accordingtooneestimate,e-financerevenueswillmorethandoubleinthreeyears(MorganStanleyDeanWitter,1999).However,notallsegmentsgrowatthesamespeedinfinancialservices.Amongthesegmentssuchasbr
5、okerage,onlinebanking,e-payments,lifeinsurance,andinvestmentbanking,Internetbrokeragegrowsthefastest.Onlinebankinggrowsalittlebitmoreslowly.E-payments,lifeinsurance,andInternetbankinghardlyseeanydramaticgrowth.However,somesimplerfinancialserviceproductsmightseepotentialgrowthinthenextfewyears
6、.Theyincludeonlinecreditcards,mortgages,studentloans,andcarloansandleases;simplerinsuranceproductssuchascarinsurance,travelinsurance,andhomeequityinsurance.Fromaninternationalperspective,e-financegrowsthefastestintheUnitedStatesandEurope.Pacificregionalsogrowsataquickspeed,ledbyJapan,Singapor
7、e,andothercountriesintheregion.Eventhoughthee-financeleadersareintheU.S.andEurope,theyalsoshowdifferentcharacteristics.U.S.e-financeislargelyPC-based.ThatiscausedbyyearsofpenetrationofPCintheU.S.market.However,inEurope,bothPCandmobilephonespe
