The bank's one-year fixed deposit interest rate is 2.75%，The average annualized return on bank financial products is about 3% to 5%，Yu’e Bao’s 7-day annualized rate of return is approximately 4%。Against the backdrop of generally limited returns from traditional financial products，virtual currencyThe reason why it has attracted market attention for a long time，The core reason is that it attempts to reduce the intermediate links in capital flow through Internet technology.，let funds、A more direct connection between assets and transaction needs。
The underlying logic of high returns on virtual currency
The essence of finance is the financing of funds，In layman's terms，It is through currency circulation that value is generated。Bank investors purchase financial products，In essence, it is also an indirect lending behavior。Only in traditional lending relationships，After financial intermediaries such as banks and shadow banks intervened,，The higher financing costs actually borne by the borrower，Will be charged handling fees by various financial institutions、channel fee、Management fees and other forms are distributed layer by layer，The income ultimately transmitted to investors is relatively limited.。
What Yu’E Bao actually corresponds to is a monetary fund.。The investment targets of monetary funds are mainly short-term monetary instruments.，Including bank certificates of deposit and short-term bonds with higher credit ratings。In other words，Many seemingly complex financial products，Essentially, they are fund allocation tools designed around financing needs.。After multi-layer structure and intermediary arrangements,，Most of the profits in the financing chain are often distributed among different participants in the financial system。
Internet direct connection mechanism and value transfer of virtual currency
Virtual currency is built on the Internet's further integration of global markets into a "global village"。Investors A and B can use Internet technology to achieve direct connection between funds and assets.，And through more convenient transactions and circulation methods，Reduce multiple losses in traditional links。Virtual currency plays an important role in information transmission and value circulation.，Therefore, it gradually attracts more investors’ attention.。
- Can't see；
- despise；
- can't read；
- Too late。
Any creation of wealth，They also tend to experience the differentiation of different roles.：
- prophet，Become an operator；
- hindsight person，become a follower；
- Unconscious，eventually become consumers。
we always think，Facing virtual currency、Digital assets and new financial models，What really matters is not blindly chasing profits，It’s about understanding the business logic、regulatory boundaries、Based on the issuance mechanism and risk structure，Create clarity、steady、Compliance judgment system。
About Hong Kong Xintong
GXT-HKComposed of professional teams from mainland China and Hong Kong，Focus on providing global company registration、Financial license application、Bank account opening、One-stop cross-border services such as tax financial planning and compliance consulting，Core covers Hong Kong MSO license、Hong Kong Insurance Brokers and Hong Kong Money Lenders Licenses、US MSB license、Hong Kong 149 license、9license plate，Helping enterprises to go overseas efficiently and compliantly，Steady global layout。
