Hangzhou Lihe blockchain Co, Ltd
Hangzhou Simei blockchain Technology Co., Ltd. is a limited liability company (invested or controlled by natural person) registered in Jianggan District, Hangzhou City, Zhejiang Province on October 23, 2018, with its registered address at room 1011, building 3, Xinyun Shidai jinzuo, Jianggan District, Hangzhou City, Zhejiang Province
the unified social credit code / registration number of Hangzhou Simei blockchain Technology Co., Ltd. is 91330109ma2cf3685d, and the legal person is Shen Hualiang. At present, the company is in business
Hangzhou Simei blockchain Technology Co., Ltd., within the province, the current registered capital of enterprises is general
view more information and information of Hangzhou Simei blockchain Technology Co., Ltd. through online enterprise credit
Hangzhou encrypted Valley blockchain Technology Co., Ltd. is a limited liability company (wholly owned by a legal person who is not invested or controlled by a natural person) registered in Xihu District, Hangzhou City, Zhejiang Province on April 8, 2018. Its registered address is room 942, 9 / F, Hangzhou Xilou Hotel, No. 45, Tianmushan Road, Xihu District, Hangzhou City, Zhejiang Province
the unified social credit code / registration number of Hangzhou encryption Valley blockchain Technology Co., Ltd. is 91330106ma2b1rje5c, and Shi Enqing, the legal person of the company, is currently in business
Hangzhou crypto Valley blockchain Technology Co., Ltd., within the scope of the province, the current registered capital of the enterprise is general
view more information and information of Hangzhou encryption Valley blockchain Technology Co., Ltd. through network enterprise credit
in the era of economic globalization, with the development of information technology, great changes have taken place in people's proction and lifestyle, which also further promotes the development of monetary form. As a new form of money, e-money has become an indispensable part of today's economy with the advantages of convenience, quickness and accuracy. Its importance is graally strengthened. At the same time, the development of e-money has also brought many opportunities and challenges to the monetary management of banks<
opportunities:
1. Reced the deposit reserve and excess reserve of commercial banks
firstly, the central bank has not yet collected deposit reserve for e-money. The electronic currency issued by financial institutions performs the basic function of currency exchange medium and plays the role of replacing deposits and cash. However, it deviates from the financial system and does not pay the deposit reserve. Secondly, the central bank determines different ratios of deposit reserve ratio according to the liquidity of money. The stronger the liquidity is, the higher the deposit reserve ratio is. Due to the rapid conversion of e-money, it can be classified as current deposit or fixed deposit. In this way, it is possible for commercial banks to pay less deposit reserve, and ultimately rece the efficiency of legal deposit reserve ratio. Third, e to the short conversion time and low cost of e-money assets with different maturity structures, it is unnecessary for commercial banks to hold higher excess deposit reserve of the central bank, thus recing the source of deposit reserve of the central bank. On the other hand, the convenient and quick payment and settlement means of e-money rece the economic transaction cost, and the interest income in the form of current deposit or even time deposit is the opportunity cost of cash assets
2. The widespread use of e-money has greatly reced the operating costs of banks, accelerated the circulation speed of money, and improved the service efficiency of banks.
for banks, usually a large amount of money is needed for counting, bookkeeping, storage, transportation and security, but the rapid development of e-money can greatly simplify these work, And save the high cost of handling coins and notes. With the help of computer information technology, electronic money can play the role of transaction, circulation and payment with the help of electronic information flow, which will inevitably rece the transaction cost and improve the circulation and transaction speed of money market and commodity market
3. It is convenient for transfer and transfer between different branches within the bank< The transformation of the national economic development mode will focus on stimulating domestic demand, and the development of bank credit card instry is facing a golden opportunity< In addition to the original banking business, commercial banks have also launched new businesses, such as handling deposits and withdrawals outside the counter, opening personal financial accounts such as consumption accounts, investment accounts, foreign exchange trading accounts, etc., to handle personal consumption credit, ecation investment credit, portfolio tools, etc, Actively contact with large shopping malls, supermarkets and other units that use electronic money frequently, set up POS machines in the above units, connect banks, units, governments and indivials, and form a huge service network with commercial banks as the core
6. The change of the marketing mode of entering the bank
the emergence of e-money has an important impact on the total circulation scale of e-money among commercial banks, other financial enterprises and non-financial enterprises, so that the functions of commercial banks will undergo a major transformation, and there will be fierce competition among commercial banks for the market share of online e-money payment and settlement, Promote the bank to establish the main customer-oriented marketing, and strive to occupy more customers<
challenge:
1. China's annual consumption of e-money has increased significantly since 2003, and the income brought by e-money consumption to its issuers has also increased significantly. If commercial banks do not strive for more e-money issuing qualifications or stay at the current e-money business service level, they will lose their share of e-money business income
2. If commercial banks issue e-money, when users purchase e-money initially, the traditional money deposits of users decrease, the e-money deposits increase, and the traditional money deposits of society also decrease. If the central bank does not draw the deposit reserve for e-money deposits of commercial banks, the total amount of e-money deposits will continue to increase with the use of e-money for payment; Correspondingly, the deposit creation process of traditional money will stop, so the total amount of traditional money deposits of commercial banks will decrease, and then the deposit reserve will decrease.
At present, there are many mutual insurance companies, but the mutual insurance platform that uses blockchain technology only has mutual assistance. It can be regarded as the network mutual assistance platform (mutual insurance) that really applies blockchain technology and lands. Not all mutual insurance companies are using blockchain technology, just the concept of blockchain
How to buy insurance, which is better, hand in hand to teach you to avoid these "pits" of insuranceWangwo (Hangzhou) blockchain Technology Co., Ltd. is a limited liability company (invested or controlled by natural person) registered in Xihu District, Hangzhou City, Zhejiang Province on July 20, 2018. Its registered address is room 279, 2 / F, building 3, Xixi Ginza, Jiangcun street, Xihu District, Hangzhou City, Zhejiang Province
the unified social credit code / registration number of wangwo (Hangzhou) blockchain Technology Co., Ltd. is 91330106ma2cd9w783, and Cai Xiang is the legal person of the company. At present, the company is in business
The business scope of wangwo (Hangzhou) blockchain Technology Co., Ltd. is: General Project: Internet data service; Big data service; Technology service, technology development, technology consultation, technology exchange, technology transfer and technology promotion; Information system integration service; Software development; Supply chain management services; Advertising design, agency; Internet sales (except for the sale of goods requiring permission); Retail of edible agricultural procts; Hardware procts retail; Auto parts retail; Retail of Arts and crafts and collectibles (excluding ivory and its procts); Clothing retail; Machinery and equipment wholesale; Retail of electronic office equipment; Wholesale of general merchandise; Information resource services (except for the projects that need to be approved according to law, they can independently carry out business activities according to law with their business license). Permitted items: food business (items that need to be approved according to law can only be operated after being approved by relevant departments, and the specific business items shall be subject to the approval results)view more information of wangwo (Hangzhou) blockchain Technology Co., Ltd. through aiqicha