Will digital currency issuing banks lay off employees
Fourth, in terms of financial services, it mainly refers to various intermediary businesses such as collection and payment, consulting and so on. For example, the collection of water, electricity and coal is small and the number of users is huge. These companies will still entrust the bank to collect, and they still need to open an account in the bank, so the impact of digital currency issuance on financial services is small. Fifthly, the function of credit creation mainly refers to that the loan is re deposited in the bank, waiting for investment or use, resulting in derivative deposits and currency multiplier effect, which has nothing to do with the issue of digital currency
the issuance of digital currency will not rece the number of bank outlets, because the basic function of the bank is far from the payment intermediary function, as well as macroeconomic regulation, the development of deposit and loan business, as well as financial services, intermediary business, and so on. What's more, many people still insist on using cash to pay and transfer. Therefore, the issue of digital currency can not eliminate the outlets of banks. The real impact on bank outlets is the rise of Internet finance. Banking business moves from offline to online. People generally accept using mobile banking app to deal with business, and then the physical outlets of banks will be canceled
The digital RMB red envelope of 10 million yuan issued by Shenzhen city has brought the development of e-money back to the people's vision
in fact, since April 2020, small-scale pilot projects of digital RMB have been carried out in Shenzhen, Cheng, Suzhou and xiong'an, and the pilot scale will be expanded to 28 provinces and cities in August 2020
as a socially recognized "super outlet", in addition to the high investment of digital currency related enterprises, its impact on the financial market is also of great research value
Policy evolution of the development of digital RMBas early as 2014, the central bank has concted research layout on digital RMB, and discussed the development framework of digital RMB with major international financial institutions and research institutions in the 2016 digital currency seminar
after six years of development, China has initially developed the "pbctfp blockchain platform" and continuously promoted the pilot activities of digital RMB. It can be predicted that as today's technology and policy outlet, digital RMB will have excellent development prospects and extremely fast development speed in the next few years
Figure 1: Policy Evolution of digital RMB
with the improvement of China's national strength, digital RMB provides an opportunity to establish a "new system of RMB cross border settlement", which can promote RMB payment activities around the world and realize the internationalization of RMB
on January 7, 2014, Taobao announced that it would ban the sale of Internet virtual currencies such as bitcoin and lightcoin from January 14. On February 26, 2014, Democratic Senator Joe Manchin of West Virginia issued an open letter to a number of regulatory authorities of the US federal government, hoping that relevant institutions would pay attention to the current situation of bitcoin encouraging illegal activities and disrupting the financial order, and demanded that actions be taken as soon as possible to completely ban the electronic currency. On January 11, 2017), the Shanghai headquarters of the people's Bank of China and the Shanghai Municipal Finance Office carried out on-site inspection of bitcoin China, focusing on whether the enterprise carried out credit, payment, exchange and other related businesses without permission or license; Implementation of anti money laundering system; Fund security risks, etc. On January 12, 2017, the business management department of the people's Bank of China also entered the trading platforms such as "fire coin net" and "currency bank" in Beijing
on May 12, 2017, a global outbreak of bitcoin virus madly attacked public and commercial systems! Nearly 74 countries in the world have been seriously attacked
from August 1, 2017, global bitcoin trading platform will suspend recharge and withdrawal services. Bitcoin China digital asset trading platform will stop new user registration on September 14, and all trading businesses will be stopped on September 30.
golem is the first computing resource trading platform based on Ethereum blockchain. Through the blockchain, Golem can link the global computing resources, so as to realize the global sharing of computing power. Application owners and indivial users (computing power "requesters") can rent computing power (computing power "suppliers") from other users point to point
at present, the monopoly of computing power market is serious, and they enjoy high profits with the help of market advantages, which leads to the high price of computing power
decentralized computing power trading platform may significantly rece the price of computing power, but its development depends on the number of platform participants
Golem token is referred to as GNT. When using computing resources, it needs to pay GNT remuneration to computing power suppliers and software developers. The total number of gnts is 1 billion. 82% of gnts are sold and circulated outside, and 18% of gnts remain in the hands of Golem team.
In terms of financial services, it mainly refers to all kinds of intermediary business such as collection and payment, consulting and so on. For example, water and electricity charges are collected on behalf of a large number of users with a small amount. These companies will still entrust banks to collect them, and they still need to open an account in the bank, so the impact of digital currency issuance on financial services is small. However, it is undeniable that the issuance of digital currency will definitely bring impact on the traditional business of banks, especially the cash business and payment and settlement business, which will force the banks to make the transformation of business model. However, this crisis has been highlighted as early as the launch of Alipay WeChat. Alipay's balance and the change in WeChat's red packets are actually the rapid development of electronic money, non cash payment, and the cash and settlement business of banks has declined. However, it still has no direct impact on bank outlets. Similarly, mobile banking and online banking are already very convenient. Why do people go to banks? Because some people can't operate, and some businesses can't be handled on mobile banking and online banking. Therefore, it can be said that only when big data, artificial intelligence and cloud computing are widely used in financial technology, the continuous improvement of citizens' quality, and the full migration of offline business to online business, will the physical outlets of banks be cancelled< br />
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