Why can't digital currency exist in banks
digital currency is a kind of unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of specific virtual communities. The European Banking authority defines virtual currency as a digital representation of value, which is not issued by the central bank or authorities, nor linked with legal currency. However, because it is accepted by the public, it can be used as a means of payment, or it can be transferred, stored or traded in electronic form
according to the notice on preventing the financing risk of token issuance, there is no approved digital currency trading platform in China. According to China's digital currency regulatory framework, investors have the freedom to participate in digital currency transactions at their own risk
warm tips: the above information is for reference only. Before investing, it is recommended that you first understand the risks existing in the project, and understand the investors, investment institutions, chain activity and other information of the project, rather than blindly investing or mistakenly entering the capital market. Investment is risky, so we should be cautious when entering the market
response time: December 11, 2020. Please refer to the official website of Ping An Bank for the latest business changes
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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 />
at present, the national legal digital currency is only tested in a small range, and has not been officially used
digital currency is the same as paper RMB, which has the same legal effect. Even if it is widely used in the future, it will not affect the existing financial business, and the fixed deposit will not be affected.