如果将所有私人银行存款都转成央行数字货币，那么传统银行将需要转型为“可贷资金中介机构 ” ， 通过借入长期资金来为抵押贷款等长期贷款提供资金。
If all private bank deposits were to be moved into CBDCs, then traditional banks would need to become “loanable funds intermediaries,” borrowing long-term funds to finance long-term loans such as mortgages.