电子货币的发展及对货币供给的影响研究

发布时间：2018-03-16 21:58

本文选题：电子货币　切入点：货币供给　出处：《吉林财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：在货币发展的漫长历程中，先后经历了由实物货币到金属货币、再到纸质货币的发展阶段。二十世纪信息革命的到来，为人们带来了新的支付工具——电子货币，它的出现和流通使人们的交易行为和生活方式发生了巨大变革，不仅有效降低了商品交易的信息成本，还进一步增加了交易的时间选择与空间选择的灵活性。科学技术的飞速发展，不断地刺激人们对支付手段和交易方式提出更高的要求——高效、便捷、灵活、低成本成为人们对支付方式的新期望。在这种背景下，种类繁多、用途各异的电子货币正伴随着电子商务的普及应用迅猛发展。放眼全球，未来的电子货币必将在条件成熟时取代传统通货；而在现今电子货币的发展过程中，其对我国传统的货币供给机制、中央银行的地位以及货币政策的实施等提出了重大挑战。本文首先对要研究的电子货币做出严格的界定，并对电子货币的特征和不同条件下的分类作出简述和归纳，然后，作为本文写作的一个亮点，将它与前人研究中易混淆的“电子支付工具”、“电子钱包”和“虚拟货币”区分开来。在对电子货币的相关理论进行概述后，本文通过查阅大量数据和资料，辅以若干图片和表格，介绍当代电子货币的典型产品以及在国内和国外的发展状况，并概括了我国现有电子货币的发展存在的问题。接着探讨电子货币出现之后，我国的货币层次划分、基础货币的两个构成部分、货币乘数会受到什么影响。本文认为，电子货币的出现会使货币层次划分变得模糊；基础货币逐渐减少；货币乘数在短期内逐渐变大，长期内难以预测。在此基础上，进而分析电子货币对中央银行铸币税收入的影响以及对我国货币总供给的影响。最后，在前文总结电子货币发展出现的问题，，以及对货币供给的影响分析的基础上，本文从两大方面对我国电子货币的发展提出了政策建议：一是从调整中央银行货币政策的目标和工具等方面，二是建议从健全电子货币相关法律、金融制度建设等监管层面，以及从加快电子货币创新，改善电子货币受理环境等多方面着手，促进我国电子货币的良好发展。
[Abstract]:In the long course of currency development, it has gone through the development stage from physical currency to metal currency, and then to paper currency. In 20th century, the arrival of the information revolution brought people a new payment tool-electronic money. Its appearance and circulation have changed people's trading behavior and way of life greatly, which not only effectively reduced the information cost of commodity trading, It further increases the flexibility of time and space choices for transactions. The rapid development of science and technology constantly stimulates people to put forward higher demands on means of payment and trading methods-efficient, convenient and flexible, Low cost has become a new expectation for payment methods. In this context, electronic money with a wide variety of uses is developing rapidly with the popularity of electronic commerce. The future electronic currency will replace the traditional currency when the conditions are ripe, and in the process of the development of the present electronic money, it poses a great challenge to the traditional money supply mechanism of our country, the position of the central bank and the implementation of the monetary policy. This paper first makes a strict definition of the electronic money to be studied, and summarizes the characteristics and classification of electronic money under different conditions. Then, as a highlight of this paper, It is distinguished from "electronic payment tool", "electronic wallet" and "virtual currency", which are easily confused in previous studies. After summarizing the relevant theories of electronic money, this paper refers to a large number of data and materials. With some pictures and tables, this paper introduces the typical products of modern electronic money and its development at home and abroad, and summarizes the problems existing in the development of electronic money in China. In this paper, the author thinks that the emergence of electronic money will make the division of monetary hierarchy fuzzy, and the basic money will gradually decrease. The monetary multiplier has gradually become larger in the short term, which is difficult to predict in the long run. On this basis, the influence of electronic money on the seigniorage revenue of the central bank and on the total supply of money in China is analyzed. On the basis of the analysis of the problems in the development of electronic money and its influence on the money supply, This paper puts forward some policy suggestions on the development of electronic money in China from two aspects: first, from the aspects of adjusting the objectives and tools of the central bank's monetary policy, and second, from the aspects of perfecting the laws related to electronic money and the construction of financial system, etc. And from accelerating the innovation of electronic money and improving the environment of accepting electronic money, so as to promote the good development of electronic money in our country.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F822

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