格隆汇2月7日｜求是网发表评论文章称，金融是现代经济的核心，是国家核心竞争力的重要组成部分， 也是大国博弈的必争之地。我国虽然已是金融大国，但总体上大而不强。所谓大而不强，核心是"量"的 优势尚未系统性地转化为"质"的胜势与"制"的主动。对照关键核心金融要素的建设目标，集中体现为三 方面的落差。 一是有"规模"而缺"效能"。我国银行体量、股市债市规模、外汇储备名列世界前茅，但规模优势尚未充 分转化为支撑高质量发展的效能。在服务科技自立自强、推动产业转型升级、有效管理复杂风险等方 面，金融体系的精准性、适配性和韧性仍显不足。二是有"网络"而缺"枢纽"。我们建成了领先的金融基 础设施和覆盖广泛的国内金融网络，但其配置全球资本、掌握关键定价、辐射国际市场的枢纽功能还显 不足。三是有"实践"而缺"定义"。我们在维护金融稳定、发展普惠金融、探索绿色和数字金融方面积累 了行之有效的"中国实践"，但将其上升为国际标准、转化为制度性话语权、塑造为全球叙事的能力仍显 薄弱，实现从实践贡献者向规则定义者的转变任重道远。 破解这些"大而不强"的深层矛盾，是迈向金融强国必须突破的核心瓶颈，也是衡量金融能否真正肩负 起"国之大者"时代 ...

Industry Trend - The financial system's evolution begins within digital wallets, not traditional exchanges [1] - The "Wallet Era" is currently in progress [1] User Base - The digital wallet user base has exceeded 220 million [1]

87% of Americans believe the financial system needs changing.51% think that America’s financial system does not work fairly for everyone.It’s time for an update. https://t.co/nrEpqX8xiK ...

RT R3 (@inside_r3)For decades, institutional finance operated behind closed doors. The new Corda protocol opens the vault, bringing real-world financial strategies directly onto @Solana. Our vision is an open financial system where everyone can build resilient, diversified portfolios, putting the tools once reserved for Wall Street into the hands of DeFi users. Be part of what comes next: https://t.co/M91ZYakSYN ...

Cryptocurrency & Lending - The cryptocurrency industry anticipates retail lending against Bitcoin for various purposes, including home and business loans [1] - The industry views the current financial system as flawed and predatory [1] Bitcoin Adoption by Financial Institutions - Michael Saylor indicates that several major US banks are now issuing credit against Bitcoin [1] - The banks include Citi, JPMorgan, Wells Fargo, BNY Mellon, Charles Schwab, and Bank of America [1]

RT Mason Nystrom (@masonnystrom)Seeing more and more pessimism around crypto and the societal value, or lack-thereof, that it brings to the world. I think this perception is misguided.Of course, there's speculation and degeneracy. The crypto casino is real, large, and many people lose at the tables. But there's a ton of positive societal value that just gets overlooked.Bitcoin has become a global, non-sovereign asset that anyone in the world can own with an internet connection. It gives an veto/opt out mech ...

Bitcoin Adoption & Vision - Nakamoto CEO David F Bailey envisions a future where every central bank, government, and corporation globally owns Bitcoin [1] - The goal is complete adoption of Bitcoin across all major financial and governmental entities [1] Media & Communication - Bitcoin Magazine released a new podcast episode featuring David F Bailey [1] - The podcast discusses the potential of Bitcoin to "hijack" the financial system [1]

Inflation and Monetary Policy - The current affordability crisis in America is largely driven by inflation, resulting from a constantly expanding money supply in a debt-based economy, which erodes purchasing power [1] - Regardless of the political party in power, the quality of life for the average person continues to deteriorate due to increasing debt and the necessity to print more money [1] - The US government's continued money printing and weaponization of the dollar are prompting other countries to seek alternatives like gold, with Bitcoin potentially becoming a future alternative [15][16] - The traditional Consumer Price Index (CPI) may not accurately reflect the true cost of living increases, as essential expenses like healthcare, housing, and groceries have risen significantly more than the reported 2% average annual inflation rate; monetary inflation, averaging around 7-8% annually, provides a more accurate picture [21] Bitcoin as a Solution - Bitcoin is presented as an accessible asset that can protect individuals from currency debasement and inflation, offering an asymmetric opportunity for ordinary families to front-run Wall Street [1][5] - Bitcoin empowers both store of value and medium of exchange functionalities, with the base layer serving as digital gold and secondary layers like the Lightning Network enabling faster payments [17] - Bitcoin's open, permissionless network allows anyone to use it, making institutional adoption inevitable and providing opportunities for average individuals [4] - Bitcoin is a politically neutral technology that empowers individuals to be their own bank and save in a system resistant to manipulation [19] Adoption and Market Dynamics - While gold has outperformed Bitcoin in the short term, Bitcoin is expected to outperform in the long run, having already outperformed most other assets over the past 5-10 years [1] - Nation states are increasingly buying gold as a debasement trade and to move away from the US dollar, but Bitcoin adoption by central banks is expected to be a slow process [9][11] - Stablecoins serve as a great on-ramp to crypto, but Bitcoin is the preferred asset for saving due to the depreciating nature of fiat currencies [17] - The increasing instances of debanking in the US highlight the benefits of Bitcoin as a tool for financial freedom, allowing individuals to transact without permission from intermediaries [18]

Financial System Risk - Federal Reserve Governor Lisa Cook 认为，由于杠杆公司的“复杂性和相互关联性”增加，应监测私人信贷意外损失如何蔓延到更广泛的美国金融体系 [1] Regulatory Focus - 监管机构应关注私人信贷损失对美国金融体系的潜在影响 [1]

Market Concerns - China is considering new measures to turn around its struggling property market [1] - Concerns mount that a further weakening of the property sector will threaten to destabilize its financial system [1]