The Impact of Digital Currency on Commercial Banks and Countermeasure Analysis
With the implementation of the central bank's digital currency policy and the widespread promotion of digital RMB App,the era of digital economy has arrived.Commercial banks,as intermediaries for digital currencies,continue to play an important role as credit intermediaries.In the new situation,commercial banks should seize the opportunity to complete their own industrial upgrading and actively carry out changes.The paper first reviews the characteristics and necessity of digital currency issuance,and concludes that it can guarantee monetary sovereignty,has the characteristics of anonymous payment and protect customer privacy.Secondly,digital currency can increase the liquidity of funds,provide accurate transaction data for commercial banks,bring opportunities for commercial banks,and put forward higher requirements and challenges for their digital transformation and institutional change.Finally,from the internal organizational structure change,profit model change,digital currency scene construction and offline network reform and other aspects of the response strategy of commercial banks are elaborated.
Digital currencyCommercial bankStrategy suggestion
万方数据
维普
