互联网金融论文外文文献及翻译

internet financial 应该是正确的，在发表的论文中出现过 另外，价值中国专访的记者提问《金融服务营销手册》作者Evelyn Ehrlich时用的是on line financial 这两个应该都是可以的

汉语【互联网金融】英语【Internet finance】【互联网金融介绍】Internet finance或者Internet-based financing都指在2013年大行其道的“互联网金融”，从理论上来说，任何涉及广义金融的互联网应用（Internet applications）都属于互联网金融，网上银行（online banking）、在线理财（online wealth management）以及第三方支付（third-party payments）等均属于互联网金融。互联网金融通过互联网、移动互联网等工具，使得传统金融业务具备透明度更强、参与度更高、协作性更好、中间成本更低、操作上更便捷等一系列特征。There are several models for Internet finance, including mini-lending, wealth management and third-party payments. Each offers advantages that conventional financial tools are unable to reach.互联网金融有几种模式，包括小额借贷、理财以及第三方支付。每种模式都具备传统金融工具难以企及的优势。

p to p网贷，余额宝，百度钱包

The Internet Financial

“物联网”的英文正是 Internet of Things（IoT）。这是一个将互联网、传统电信网等资讯集合在一起的网络平台，让所有能行使独立功能的普通物体实现互联互通的网络。

物联网将现实世界数位化，应用范围十分广泛。物联网拉近分散的资讯，统整物与物的数位资讯，物联网的应用领域主要包括以下方面：运输和物流领域、健康医疗领域范围、智慧环境（家庭、办公、工厂）领域、个人和社会领域等，具有十分广阔的市场和应用前景。

扩展资料：

物联网的生活应用：

物联网的应用领域涉及到方方面面，在工业、农业、环境、交通、物流、安保等基础设施领域的应用，有效的推动了这些方面的智能化发展，使得有限的资源更加合理的使用分配，从而提高了行业效率、效益。

在家居、医疗健康、教育、金融与服务业、旅游业等与生活息息相关的领域的应用，从服务范围、服务方式到服务的质量等方面都有了极大的改进，大大的提高了人们的生活质量。

在涉及国防军事领域方面，虽然还处在研究探索阶段，但物联网应用带来的影响也不可小觑，大到卫星、导弹、飞机、潜艇等装备系统，小到单兵作战装备，物联网技术的嵌入有效提升了军事智能化、信息化、精准化，极大提升了军事战斗力，是未来军事变革的关键。

参考资料来源：

百度百科-物联网

研究中小企业融资要参考的英文文献英文图书和期刊类文献：[1]Allen N.Berger,Gregory F.Udell,“Relationship Lending and Lines of Credit inSmall FirmFinance,”Journal of Business,Vol.68,no.3.(1995),pp.351-381．[2]Aghion,P.,Incomplete contracts approach to financial contracting,Review ofEconomics Studies,1992,Vol.59,p473-494．[3]Albertode，M.&JulioPindado.Determinants of capital structure:new evidencefrom Spanish Panel data[J].Journal of Corporate Finance，2001，(7):77-99．[4]A.N.Berger，N.H.Miller，M.A.Petersen，R.G.Rajan，J.C.Stein，2001，“DoesFunction Follow Organizational Form?Evidence from the Lending Practices ofLarge and Small Banks”,Board of Governors of Federal Reserve SystemWorking Paper．[5]Azam,J.P.,B.Biais,M.Dia and C.Mauriel.Informal and Formal Credit Marketsand Credit Rationing in Cote D’Ivoire,Oxford Review of Economic Policy,2001,17(4),520-532.[6]Bernanke,B.S.,M.Gerler.Inside the Black Box:The Credit Channel ofMonetary Policy Transmission[J].Journal of EconomicPerspectives,1995,(9);27-48．[7]Barbosa,E.&Moraes,C.,Determinants of the Firm’s Capital Structure:theCase of the Very Small Enterprises,Working Paper from Econpapers，2003,366-358。[8]Barton，S.L.&Gordon，P.J.Corporate strategy and capital structure[J].Strategic Management Journal，1988，9:623-632．[9]Baxter，N.D.&Cragg，J.G.Corporate choice among long-term financinginstruments[J].Review of Economics and Statistics，1970，(52):225-235．[10]Berger,A.N.,Udell,G.F.,RelationshipLending andLinesof Credit in SmallFirm Finance[J],Journal ofBusiness,1995,68,351—382．[11]Berger,A.N.,Udell,and G.F.The Economics of Small Business Finance:The Roles of Private Equity and Debts Markets in the Financial GrowthCycle[J].Journal of Banking and Finance,1998,22(6):613-673．137[12]Berger and Udell,Small Business Credit Availability and RelationshipLending:The Importance of Bank Organizational Structure[J],EconomicJournal,2002,112(447)L:32-53.[13]Booth，Laurence，Varouj Aivazian，Asli Demirguckunt&Vojislav Maksimovie.Capital structures in developing countries[J].Journal of Finance，2001，(56):87-130．[14]Bradley，M.，Jarrell，G.A.，&Kim，E.H.On the existence of an optimal capitalstructure:theory and evidence[J].Journal of Finance，1984，(39):857-880.[15]Brander，J.A.&Lewis，T.R.Oligopoly and financial structure:the limitedliability effect[J].American Economic Review，1986，(76):956-970．[16]Chang Chun.Capital structure as optimal contract[J].North American Journalof Economics and Finance，1999，(10):363-385．[17]Cole,R·A·,Goldberg,L·G·&White,L·J·Cookie-cutter versus character:Themicro structure of small business lending by large and small banks[J]·Journalof Financial and Quantitative Analysis,2004,39,pp227-251.[18]Collins，J.M.&Sekely，W.S.The relationship of headquarters country andindustry classification to financial structure[J].Financial Management，1983，(3):45-51．[19]David F.Scott,John D.Martin.Industry Influence on Financial Structure[J].Financila Management,Spring,1975,67-73．[20]DeAngelo，H.&Masulis，R.Optimal capital structure in corporate and PersonalTaxation.Journal of Financial Economics，1980，(8):3-29．[21]Durand,David,1952,Cost of Debt and Equity Funds for Business:Trends andProblems of Measurement,Conference on Research in Business Finance,National Bureau of Economic Research,New York,p215-247．[22]Eli Schwartz and J Richard Aronson.1967.Some Surrogate Evidence inSupport of the Concept of Optimal Financial Structure[J].Journal of Finance.22(1):10-18．[23]Enunza，VR.Determinants of financial structure in the central Americancommon market[J].Financial Management，1979，(3):72-77．[24]Fama，E.&Jensen，M.C.Ageney Problem and residual claims.Journal of Lawand Economics，1983，(26):327-349．[25]Frank M.Z.,GoyalV.K.Testing the Pecking Order Theory of Capital Structure.138Journal of Financial Economics,67:217-248,2003.[26]Gilson，S.Tansaction cost and capital structure choice:evidences fromfinancially distressed firms[J].Journal of finance,1997，(52):161-195．[27]Grossman，S.&Hart，O.Corporate financial structure and managerial inincentives[J].In McCall,J.Ed.The economic of information uncertainty[M].Chicago:University of Chicago Press，1982:107-137．[28]Hall，G.,Hutchinson，P.&Michaelas，N.Industry effects on the determinantsof unquoted SMEs’capital structure[J].International Journal of the Economicsof Business，2000，(7):297-312．[29]Harris，M.&Raviv，A.The theory of capital structure[J].Journal of Finance，1991，(46):297-355．[30]Jensen，M.&Meckling，W.Theory of the firm:managerial behavior，agencycost and capital structure[J].Journal of Financial Economics，1976，3(l):305-360．[31]Jordan，J.，Lowe，J.&Taylor，P.Strategy and financial policy in UK small firms[J].Journal of Business Finance and Accounting，1998，(25):1-27．[32]Jose Lopez-Gracia&Cristina Aybar-Arias.An empirical approach to thefinancial behavior of small and medium sized companies[J].Small BusinessEconomics，2000，14(l):55-63．[33]Kane，A.，Marcus，A.J.&McDonald，R.L.How big is the tax advantage todebt[J].Journal of Finance，1984，(39):841-853．[34]Kester C W.Capital and ownership structure:A comparison of United Statesand Japanese manufacturing corporations[J].FinancialManagement,1986(15):5-16.[35]Kim W S,Sorensen E H.Evidence on the impact of the agency costs of debt incorporate debt policy[J].Journal of Financial and Quantitative Analysis,1986,21:131-144.[36]Lee Remmers.Industry and Size as Debt Ratio Determinants in ManufacturingInternationally[J].Financial Management,summer.，2002(5),67-78．[37]Long，M.&Maltiz，L.The investment-financing nexus:some empiricalevidence[J].Midland Corporate Finance Journal，1985，(3):53-59．[38]Marsh，P.The choice between equity and debt:an empirical study[J].Journal ofFinance，1982，(37):121-144．139[39]Mcmillan,J.,Woodruff,C.Interfirm Relationships and Informal Credit inVietnam[J].Quaterly Journal of Economics,1999,114(4):1285-1320．[40]Mian,S.,and C.W...Smith.Accounts Receivable Management Policy:Theoryand Evidence,Journal of Finance,1992,47:169-200.[41]Ming fang Li&Roy L.S.Environmental dynamism，capital structure andinnovation:an empirical test[J].The International Journal of OrganizationalAnalysis，2002，(10):169-179．[42]Modigliani，F.&Miller，M.H.The cost of capital，corporation finance and thetheory of investment[J].American Economic Review，1958(58),261-297．[43]Mreton H.Miller.Debt&Taxes.The Journal of Finance,Vol.XXXII,No.2,May 1977,pp.261~275．[44]Myers，S.C.，Determinants of corporate borrowing[J]．Journal of FinancialEconomics5,1977，146-75．[45]Myers，S.The capital structure puzzle[J].Journal of Finance，1984，39(3):575-592.．[46]Myers，S.&Majlu，N.Corporate financing and investment decisions whenfirms have information that investors do not have[J].Journal of FinancialEconomics，1984，13(l):187-221．[47]Ng,Chee k.,J.K.Smith,R.I.Smith.Evidence on the Determinants of CreditTerms Used in Interfirm Trade[J].Journal of Finance,1999,(54);1109-1129．[48]Petersen,M.A.and R.G.Rajan.The Benefits of Lending Relationships:Evidence from Small Business Data,the Journal of Finance,1994,XLIX,3-37.[49]Petersen,M.A.and R.G.Rajan.Trade Credit:Theories and Evidence,theReview of Financial Studies,1997,Vol.10.No 3,661-691.[50]Piero Sraffa.The Works and Correspondence ofDavid Ricardo:Volume 1[M].Cambridge:AtThe University Press,1951．[51]Rajan，R.G.&Zingales，L.What do we known about capital structure?Someevidence from international data[J].Journal of Finance，1995，(l):1421-1461．[52]RobertM Bowen,et al,1982,Evidence on The Existence and Determinants ofInter-Industry Differences in Leverage[J].Financial Management.Winter:10-20.[53]Ross.The determination of financial structure:The incentive signalingapproach,Bell Journal of Economics,1977,Vol.8,p23-40．[54]Saring,Oded H...Bargaining with a Corporation and the Capital Structure ofBargaining Firm[J].Journal of Financial Economics,1984,(17).[55]Scott，J.H.Bankruptcy，secured debt and optimal capital structure[J].Journalof Finance，1977，(32):1-19.[56]Smith,C.W.,andR.L.Watts,The Investment opportunity set and corporatefinancing,dividend and compensation Polices[J],Journal of FinancialEconomics3,1992,20-27[57]Stiglitz，J.&Weiss，A.Credit rationing in the market with imperfectinformation[J].American Economic Review，1981，73(3):393-409．[58]Stultz R.Managerial discretion and optimal financing policies[J].JournalofFinancialEconomics,1990,(26):3-27．[59]Taggart，R.A.A model of corporate financing decisions[J].Journal of Finance，1977，(32):1467-1484.[60]Taub，A.J.Determinants of the firm’s capital structure[J].Review of Economicsand Statistics，1975，(57):410-416.[61]Titman，S.The effect of capital structure on a firm，liquidationdecision[J].Journal of Financial Economics，1984，(13):137-151.[62]Titman，S.&Wessels，R.The determinants of capital structure choice[J].Journalof Finance，1988，(43):1-19.[63]Wald，J.K.How firm characteristics affect capital structure:an internationalcomparison[J]Journal of Financial Research，1999，(22):161-187.[64]Willamson，O.Corporate finance and corporate governance[J].The Journal ofFinance，1988，43(3):567-591.[65]William D．Bradford Creating Government Financing Programs for Small andMedium-sized Enterprises in China[J].2004，234-245．