英国代写：使用数字货币的一些弊端
另一个主要问题是商业银行现有业务模式的风险。现有的银行都有自己的商业模式，它们都有自己的优点和缺点。其次，银行最终可能会变得不那么需要通过中介进行挖掘。其直接后果是其履行关键经济职能的能力下降。当数字货币威胁到银行的基础设施时，它的一些基本经济功能(比如监控借款人的能力)可能会下降。此外，消费者将更多地使用零售数字货币，而不是商业银行存款。银行的持股量下降了。银行在国家经济定位中占有重要地位(Klein, 1974)。因此，数字货币的实施可能会威胁到该国本身的经济状况。
英国代写：使用数字货币的一些弊端
此外，在执行成本和政策制定方面也存在弊端。安全也成为一个主要问题。美国银行(Bank of America)衍生品策略师弗朗西斯科•布兰奇(Francisco Blanch)表示，即便是比特币等现有货币，在成为一种全球认可的货币方面也面临障碍，在这种情况下，理解数字货币能否作为抵押品确实是一个重大挑战。比特币等一些现有的数字货币遭到黑客攻击。目前，一些风险难以评估。
英国代写：使用数字货币的一些弊端
Another major con is the risk to the existing business models of commercial banks. Existing banks have business models that have their own set of pros and cons. Now the introduction of the digital currency will introduce newer issues for the system (Klein, 1974). Secondly, banks could end up becoming less disinter mediated. Direct consequences of this are its capacity to perform critical economic functions which go down. When digital currencies threaten the bank infrastructure, it could so happen that the some of its essential economic functions like ability to monitor the borrowers might go down. Moreover, consumers will make use of more retail digital currency use instead of commercial bank deposits. The holding of banks goes down. Banks hold a significant place in the economic positioning of the country (Klein, 1974). Digital currency implementations could hence threaten the economic state of the country itself
英国代写：使用数字货币的一些弊端
Furthermore, there are cons in the form of costs of implementation and policy formulations. Security is also becoming a major issue. Francisco Blanch, the derivatives strategist of the Bank of America stated that even existing currencies like bitcoin faces hurdles in becoming a globally accepted currency, and in such cases understanding whether digital currency can be held as collateral is indeed a major challenge. Some of the existing digital currencies like Bitcoin have been hit by hackers. “Some of the risks are currently hard to assess.
