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比特币能否成为银行账户的终结者?
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Topic: 比特币能否成为银行账户的终结者? (Read 971 times)
v0yager
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比特币能否成为银行账户的终结者?
July 12, 2015, 09:24:59 AM
#1
当比特币还在努力满足群众诉求的时候,虚拟货币的拥护者们已经开始转向新的客户类型来寻求进一步发展,即全球无银行账户。
据世界银行调查,世界上超过20亿成人无法获得金融服务,像是开银行账户,办理信用卡来存寄资金等。其中大部分人都居住在农村地区,通常每天生活费低于5美元。
澳大利亚和新西兰注册会计师协会(CAAZ)的报告负责人Michael Fraser 对CNBN说:“对于无银行账户来说,比特币可能会成为一个转变范例。其影响是多方面的,其中对科技政治和经济领域都会有所影响。”
比特币最大的好处就在于其作为资金转账汇款工具的这个能力,Fraser说。随着智能手机的所有权在发展中国家爆炸式发展,对于像是西联这样的传统公司来说,比特币就会成为一个更便宜的选择。Fraser 还补充说:“它不需要那么多的手续费,相比于标准5%的费用它只收取1%,另外它可以即时操作,并不像传统服务那样有固定服务时间。”
价格变动是加密货币能够掌控大众市场的一个关键原因。据Coindesk的价格指数来看,一年前,一枚比特币相当于665美元,但现在他的交易价值只有240美元。然而,价格波动的威胁在资金转移中还是作用很小的。
“市场上大量以比特币为基础的汇款方案,都会让用户在完成支付之前自行解决汇率问题。随着预定利率的产生,它很有效的降低了汇率波动的风险,汇款者将能在汇款之前就得知收款人能收到寄款的多少。” KapronAsia常务董事兼比特币长期观察者Zennon Kapron说到。
“由于接受货币所需的成本费和加工费,许多小企业很难参与到国际竞争之中。而比特币通过操作一个纯虚拟的数据模版,从根本上解决了这个问题。”PWC和CAAZ联合报告中指出。
可以明确的是,我们仍面临许多挑战。印度比特币联盟创始人之一Vishal Gupta警告说,技术鸿沟仍然是目前最大的障碍。“(印度)大多数没有银行账户的人都是没有受过教育的,他们不知道如何读写,让他们相信比特币将会是一个艰巨的任务。”他指出,全国12亿人口只有约15%(20000人)是活跃用户。
应对不稳定货币的方法
说到无银行账户人口,一个关键性的因素就是贫穷。但其他的因素,比如汇率波动也是其中之一。以阿根廷为例,由政府授权的人工汇率就使得人们不得不避开比索,虚拟货币枢纽非裔比特币创始人之一Franco Amat解释说。
Amat通过邮件说到:“如果你在阿根廷收到美元,央行兑换时给你的比索会少于美元市价(少30%至35%)。但是如果你在国外购买比特币,然后寄给阿根廷的某人,该阿根廷人就能以真正的汇率贩卖比特币,得到100%的钱,其中还包括小部分经济费用。”
Fraser也同意说,从货币不断波动的现状来看,长期存储比特币可能是一个十分具有吸引力的选择。而另一个遭受货币危机的国家俄罗斯,在之前石油价格疲软导致的经济崩溃之后,目睹了12月卢比和比特币交易量增长近250%。
qq520
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Re: 比特币能否成为银行账户的终结者?
July 17, 2015, 02:45:33 PM
#2
桥归桥,路归路,不要玩蛇甜吞象游戏,不要意淫,比特币仍将是小众,绝对的小众,但是不可忽视的小众!
i love btc.
Ingatqhvq
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Re: 比特币能否成为银行账户的终结者?
July 18, 2015, 10:14:17 AM
#3
这个难度很大吧。更有可能是共存。
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比特币能否成为银行账户的终结者?
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