本文借鉴:https://nulltx.com/jpmorgan-says-banks-still-critical/ ![shutterstock_572078806.jpg](https://ipfs.busy.org/ipfs/QmPXhg39pjSqwagEVFfynah1febHNb9ZCt8g9YbFiHChTw) 数字货币最终将取代银行,是吧?不对!至少大摩的一个执行董事不这么认识。他认为传统银行行业深入到社会的方方面面,根本不可能被替代。 银行业对数字货币并不是很热心。特别是大摩的总裁Jamie Dimon,他就一直认为数字货币是种欺诈。国际清算银行也声称数字货币不够格做为货币。这本来并不奇怪,奇怪的是大摩自己却发行了数字货币。 这就让不少人质疑Dimon为什么会改变自己对数字货币的看法?在最近CNBC的SquawkBox访谈中, Ron Karpovich 透露他其实并没有改变观念。Karpovich 是该银行的全球电商主管。当他被问到Dimon是否还对数字货币反感的时候,他这样回复: ***我认为交易数字货币和使用该技术来加强支付架构是两回事。因此,我们认为该技术是加快处理,减少费用的一种手段。每位总裁都希望可以更快更便宜地做事。*** 因此,答案是不。他并没有改变对数字货币的看法。而只是使用此数字货币让事情进行得更快更便宜。然而,这和Dimon 相信数字货币的卓越性一样奇怪。 Karpovich 还说: *因此,从那个角度我相信他接受使用区块链这个概念。我们在此领域是大玩家。我们创建Quorum做为私人区块链并把它投入市场来让其他人使用。* ### 数字货币需要银行 虽然银行可能受制于缓慢低效率的技术,它还是支付系统一个不可缺少的部分Karpovic补充说。数字货币公司推广自己可以取代银行的工作,而且费用更少。但是,至少到目前为止,他们还是无法完全取代银行。 最终,其实在后台他们还是要用银行来转移资金。在该领域更多的是合作的关系而不是竞争的对立面。. 他继续说道,支付领域的利润非常低。因此挤掉小公司,让他们不得不进行合并或者退出。 区块链将成为支付市场的支柱。他说道,然而,和普遍的看法相反的是,终端产品将不会改变。数字货币将不会突然取代已经建立完善的支付方式。 *“我相信你将继续使用自己喜欢的支付类型,比如钱包,银行卡或者银行账户。但是,在幕后,使用区块链技术的快速特效将让你的支付更快更便宜,”*他说道。 大摩的 JPM 代币只面向机构客户。在他们的宣布里,该银行承诺将继续开发此代币来供普通消费者使用。 Image(s): Shutterstock.com
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你今天过的开心吗?来 @steemgg [玩游戏](https://steemit.com/steemgg/@stabilowl/steemgg)吧,决战到天亮假如我的留言打扰到你,请回复“取消”。
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目前来说数字货币不会取代银行啦,哪怕是Alipay这些也不会完全取代实体经济,国家和政府会对其把控哒 Posted using [Partiko iOS](https://partiko.app/referral/nostalgic1212)
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是呀 Posted using [Partiko iOS](https://partiko.app/referral/susanli3769)
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