Whose cheese does virtual currency move
The most direct is the bank
in the past two years, there have been many reports about bank layoffs. Public opinion generally believes that the banking instry is forced by the pressure of third-party payment. But in fact, this is more like an active adjustment made within the bank to adapt to the changes of the times than a helpless move
in the past, when the third-party payment was not popular, the main medium of people's transaction was cash. As a cash "transfer station", the bank will naturally become the main trading channel. Small to modify the password, change user information, to reach acceptance, check, deposit cash business can only be handled in line with the bank
However, with the development and popularization of third-party payment, the situation has changed greatly. Change password, change user information and other things, a mobile phone can easily complete. The activation of social security card and provident fund card can be easily completed on the bank's machine. Alipay under the ant's golden clothing, WeChat paid by Cai Fu Tong, provides convenient mobile payment services, occupying 90% of the domestic mobile payment market. Wanda's fast money, smart payment and other third-party payment platforms also get a share in the third-party payment business by providing online banking payment, cross-border payment and other characteristic serviceswe can see this change from the data. According to the data of China Banking Association, in 2013, only 63% of users completed transactions through third-party payment methods such as online banking. In 16 years, that's 84%
Under the impact of the third party payment, the banking instry is facing two huge challenges. On the one hand, China's banking instry has the problem of unreasonable staff structure. In Europe, the United States and other countries, more than 60% of the staff's job is sales, some places even reached 80%. In China, the proportion is only about 30%. The rest of the staff are counter service staff. On the other hand, it is the slowdown of domestic banking profits. The data shows that: in 2016, the net profit of the four major banks was 858.2 billion yuan, a year-on-year increase of only 0.2%
bus line: Metro Line 2, the whole journey is about 30.1km
1. Take Metro Line 2 from Longyang Road, pass 18 stops, and reach Xujing east station
2. Walk about 470 meters to the National Convention and Exhibition Center (Shanghai
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option 2: get on from Metro Line 1 (Shanghai railway station), take 3 stops to (people's Square Station), walk about 310 meters to the transfer point, transfer to Metro Line 2 (people's Square Station), take 7 stops to (Longyang Road Station), and get off, with a total distance of 13.1 km (get on directly from the starting point, and get off 1.3 km from the terminal point), Bus fare estimate: about 4.0 yuan, holding a transport card estimate: about 4.0 yuan
bus line: Metro Line 7, the whole journey is about 9.7km
1. Long distance bus passengers from Pudong, Shanghai... Walk about 400m to Yuntai Road Station
2. Take Metro Line 7, after 6 stops, to Huamu Road Station
3. Walk about 1.0KM to Shanghai New International Expo Center
if it is Shanghai station, it is recommended to take line 3 or 4 to Zhenping Road and transfer line 7 to Huamu road in North Square.
if it is Shanghai Hongqiao Station, it is recommended to transfer line 2 to Jing'an Temple and line 7 to Huamu road in Shanghai South Station. It is recommended to transfer line 1 to Changshu Road and line 7 to Huamu road. It's less than an hour.