The reserve interest policy brings incremental profits, but the change in regulatory attitude is more worthy of attention. The opening of the two-dimensional code or paving the way for the landing of digital currencies makes the industry service provider's positioning in the DCEP era clearer. Tianfeng Securities reiterates its previous view and expects that the digital currency industry opportunity will be transmitted along the path of “bank IT first, payment tools and services”. Bank IT pays attention to the transformation of the bank's core systems and equipment, and mainly recommends Changliang Technology, Geer Software, digital certification, etc., and it is recommended to pay attention to Sifang Jingchuang, Yuxin Technology, Gao Weida, Guangdian Yuntong, etc .; the payment side pays attention to POS machine transformation and payment service changes , Recommend the new continent, and recommend paying attention to Lakala (covered by the media industry), New Country Capital, etc.