电子货币对货币供给的影响研究—基于第三方支付视域

发布时间：2018-05-08 07:48

本文选题：第三方支付 + 电子货币　；参考：《河北经贸大学》2016年硕士论文

【摘要】：随着支付电子化的不断推进,传统纸币和硬币被电子货币所取代,由电子货币承担主要的交易和支付职能已经成为货币形态发展的历史趋势。进入到21世纪以来,互联网经济快速成长为新的经济力量,为全球所关注,近几年,电子货币在我国以飞快的速度发展,在人们生活中扮演角色的重要性越来越突出,第三方支付在这一发展过程中功劳很大。2015年第三季度艾瑞数据显示第三方支付交易规模达3万亿,同比增速达52.6%,整个市场持续高速增长,在整个国民经济中的重要性进一步增强,这在一定程度上都有赖于电子商务平台的发展和信息技术的推进。电子支付技术上的突破,第三方支付对电子支付方式进行了大量创新,增进了消费者的用户体验,能够用其支付的场景得到了不断扩展。随着电子商务的快速增长和在消费领域的不断深入,第三方支付的网络电子支付规模也得到迅速扩大,使得第三方支付电子货币在零售领域得到了深化,人们的生活方式和支付习惯正不断被改变。这种新的支付工具在带来全新的支付体验的同时,也使传统的货币金融理论受到来自这种电子支付方式所带来的冲击,这将会给中央银行的货币政策制定和金融监管工作带来许多新的课题。本文分析了当前第三方支付电子货币的发展对我国货币供给的影响,研究采用了理论与实证相结合的方法。从电子货币发展的历程出发,对电子货币的内涵及特点进行了介绍;然后结合第三方支付电子货币在我国的发展历程和现状,重点介绍了第三方支付对电子货币发展带来的新特点,采用理论方法研究了其对我国货币供给、中央银行以及现金替代效应的影响;再次从定量分析的角度研究了第三方支付电子货币对我国货币供给的影响,此分析主要采用相关季度数据进行计量分析,通过研究第三方支付电子货币对现金漏损率的影响,分析其对货币乘数、货币供给的影响。最后针对以上分析总结第三方支付电子货币引起的货币供给层次、现金漏损率、货币乘数的变化,并讨论了这些变化带来的冲击,然后为中央银行制定货币政策提供一些相应的对策。
[Abstract]:With the development of electronic payment, traditional banknotes and coins have been replaced by electronic money. It has become a historical trend for the development of money form to take on the main functions of transaction and payment by electronic money. Since entering the 21st century, the Internet economy has grown rapidly into a new economic force, which has attracted worldwide attention. In recent years, electronic money has developed rapidly in our country, and the importance of playing a role in people's lives has become more and more prominent. In the third quarter of 2015, the third party payment transaction scale reached 3 trillion, a year-on-year increase of 52.6 percent, and the entire market continued to grow at a high speed. The importance in the whole national economy is further enhanced, which to some extent depends on the development of electronic commerce platform and the promotion of information technology. With the breakthrough of electronic payment technology, third-party payment has made a great deal of innovation in electronic payment, which has enhanced the consumer's user experience and expanded the scene of paying with it. With the rapid growth of electronic commerce and the deepening of the consumption field, the scale of network electronic payment of third-party payment has also been rapidly expanded, which makes the third-party payment electronic currency in the retail field has been deepened. People's lifestyles and paying habits are constantly changing. This new payment tool not only brings a new payment experience, but also makes the traditional monetary and financial theory suffer the impact from this electronic payment method. This will bring many new issues to the monetary policy making and financial supervision of the central bank. This paper analyzes the influence of the development of the third party payment electronic money on the money supply of our country, and adopts the method of combining theory and practice. Starting from the course of the development of electronic money, this paper introduces the connotation and characteristics of electronic money, and then combines the development process and present situation of the third party payment electronic currency in our country. This paper mainly introduces the new characteristics of the third party payment to the development of electronic money, and studies its influence on the money supply, the central bank and the cash substitution effect by using the theory method. Thirdly, from the perspective of quantitative analysis, this paper studies the effect of third-party payment electronic money on the money supply in China. This analysis mainly uses relevant quarterly data to measure and analyze the impact of third-party payment electronic currency on the cash leakage rate. Analyze its influence on money multiplier and money supply. Finally, the paper summarizes the changes of money supply level, cash leakage rate, currency multiplier caused by the third party payment electronic money, and discusses the impact of these changes. Then for the central bank to formulate monetary policy to provide some corresponding countermeasures.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F822.2

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