Hello everyone, I am a product manager at a software development company, my name is Wu Jun.
Recently, the risk control of bank cards is very serious, whether it is the e-commerce industry, all walks of life, even to go to the bank to withdraw a large amount of money must make an appointment in advance and explain the intention.
Business owners know that if a fund is frozen, it may lead to the rupture of the capital chain and lead to the loss of the whole market.
First of all, we need to figure out why there are restrictions on large and multiple fund transactions, and why bank cards are frozen.
What is a rate hike cycle? Why is the Fed raising interest rates?
What is the Fed's rate hike cycle.
"Raising interest rates" is actually raising the federal interest rate in the United States, which is the Fed's core monetary policy tool. Therefore, the Fed's interest rate hike actually reflects the Fed's change from loose to tightened monetary policy. In a complete interest rate hike cycle, the Fed has three main specific monetary policy operations: tapering bond purchases, raising interest rates, and shrinking the balance sheet.
When the Fed begins its interest rate hike cycle, the first step is tapering. It refers to the Fed's gradual reduction of asset purchases, the gradual introduction of quantitative easing, and the gradual reduction of the amount of funds flowing into the market. Raising interest rates, which is raising the federal interest rate in the United States, is the second step of the Fed's operation. If this interest rate rises, the interest rate on deposits and loans given by banks to enterprises or individuals will follow, which can increase deposits, reduce loans, and curb investment and consumption, thereby cooling the economy. Conversely, if interest rates are cut, the interest rate at which banks lend will be lower, and the cost of borrowing will be lower, which will stimulate corporate and personal lending, making the overall economy more active.
The Fed's third step is to shrink its balance sheet, which refers to reducing the size of banks' balance sheets. The Federal Reserve mainly reduces its asset size through *** bonds and MBS, or letting bonds mature naturally.
Why is the interest rate hike being raised?
The Fed's interest rate hike is, in a nutshell, to fully squeeze the economic bubble and attract international capital back, so as to maintain domestic price stability and maximize employment.
On the one hand, the Fed can raise interest rates by raising loan costs, reducing investors' willingness to borrow, and reducing the money supply, thereby alleviating economic overheating and squeezing economic bubbles. On the one hand, it can increase the interest rate to improve investors' liquidity appetite and reduce investors' willingness to exchange currency for commodities, so as to alleviate the imbalance between supply and demand in the market and combat rising prices. In addition, as the US dollar is an international currency, interest rate hikes will make capital concentrate in the US dollar market, promote the strengthening of the US dollar, and maintain the "hegemony" of the US dollar in the international market.
What is the relationship between the Fed's interest rate hike and bank risk control?
To prevent a large amount of domestic capital outflow, the interest rate of the Bank of the United States is high, and the money is stored there, the Federal Reserve has raised interest rates before, and the central mother has also increased it, but this time it is not the same, there may be some other reasons, this article will not delve into it. (This reason is only speculated by individuals based on online information).
In recent years, wire fraud in northern Myanmar has become more and more rampant, and more and more funds and telecommunications fraud have led to the state having to put pressure on banks, strictly control bank cards, and freeze them immediately if they find abnormalities.
Many owners of e-commerce platforms buy a product at the same price, and many orders come in at the same time, which is easy to be identified by the bank as swiping orders. This then leads to the freezing of the bank card.
These two points are the two main points that I think, if there is anything welcome to add in the comment area, then how to solve the problem of withdrawal and deposit???
Why not NFTs? The difference is that NFTs are issued at the virtual level, and they are expressly prohibited in China. NFG brings product distribution to reality at the virtual level, including trendy products, artworks, souvenirs, luxury goods and other types.
We can all understand them as a token based on blockchain technology.
The full name of the Cultural Exchange is the Cultural Property Exchange, which is engaged in cultural property rights trading and related investment and financing services, promoting the cross-industry, cross-regional and cross-ownership flow of cultural industry elements, promoting cultural property rights transactions, enterprise restructuring, asset restructuring, financing mergers and acquisitions, and the transformation of creative achievements, and promoting the close connection between culture and capital, culture and market, culture and science and technology. 、
In recent years, the cultural exchange and digital collections have come very close, and many local cultural exchanges have opened, and their own digital collection trading markets can be traded directly on the market.
The solution is coming, first of all, on the aspect of deposit, you can be the issuer of NFG, to issue your own NFG products, preferably a combination of physical rights, and then open up the cultural exchange, you can transfer the digital products to your own e-commerce platform, and then give users physical exchange, or equity exchange (we have achieved it).
Withdrawals. The same is true for withdrawals, basically doing private domain e-commerce, all need to be matched with relevant business models, the platform will generate points or dividends to be distributed to consumers, can consumers get the money, can be exchanged for digital collections? Then transfer to the cultural and educational institute for trading, you can repurchase on the platform, or you can trade C2C by yourself, does it also eliminate part of the bubble?
That's all for today, don't talk too much, the boss who has needs can consult me for specific solutions, and then, here I wish you a happy New Year in advance.
Entrepreneurs who need to consult the model or software development can send a private message in the background or leave your *** in the comment area
Note: All items analyzed are only analysis of business models.
Learn more about the Internet. It is necessary to develop dapps, applets, apps, distribution models, system software, etc