Vice President, National Development Institute, Peking University: Digital Benefits are not a substitute for bank deposits and any other financial transactions.

According to Jin Shi's report, Huang Yiping, director of the National Development Institute of Peking University, said the first is that digital currency is not used to replace bank deposits, but is mainly used to replace cash in modern businesses and other currencies. industry. . The second is that the bank does not pay interest on digital currencies directly, so it does not take bank funds and keep them in central bank digital currencies. The third is a two-step advertising process, in which the central bank provides electronic funds to authorized institutions such as banks, communications companies, and online companies, and these organizations are aimed directly at the public.