商业银行支付系统电子化的影响研究

发布时间：2018-03-26 01:24

本文选题：商业银行　切入点：支付系统　出处：《内蒙古大学》2015年硕士论文

【摘要】：信息通信技术革命对商业银行产生了巨大影响,使得商业银行的支付与清算功能基本实现了电子化,大大降低了运营成本。同时,商业银行运营系统的电子化,特别是支付系统的电子化反过来对国民经济也产生了深远影响,支付系统的电子化衍生了电子货币,电子货币的产生与发展逐渐降低了现金对国民经济的影响,并同时影响了货币的需求与供给。随着商业银行支付系统的电子化进程,加上互联网科技的迅猛发展,各种新型经济组织和经营方式层出不穷,支付方式也不断革新,特别是近二十年来电子商户平台的高歌猛进深刻影响了人们的生活方式,由此产生的互联网金融成为了学术界热门的话题。然而追根溯源,这些犹如多米诺骨牌的一连串效应确实起步于商业银行支付系统的电子化。本文在研究国内外相关文献的基础上,梳理了30年来商业银行支付系统电子化的进程对世界银行业格局的影响,并综合运用金融中介理论,鲍莫尔——托宾存货理论分析了支付系统电子化对商业银行的影响,支付系统电子化所衍生的电子货币对于货币需求与供给的影响,以及对互联网金融的影响。在实证分析中,本文运用了相关性分析和格兰杰因果检验,采用银行卡渗透率、M0/GDP、M2/GDP等指标对理论分析结果进行了实证检验。最后提出相应对策建议。
[Abstract]:The revolution of information and communication technology has had a great impact on commercial banks, which makes the payment and clearing functions of commercial banks become electronic basically, and greatly reduces the operating costs. At the same time, the electronic operation system of commercial banks, In particular, the electronic payment system in turn has a profound impact on the national economy, the electronic payment system derived from electronic money, the emergence and development of electronic money gradually reduced the impact of cash on the national economy. At the same time, it affects the demand and supply of money. With the electronic process of commercial bank payment system and the rapid development of Internet science and technology, various new economic organizations and business methods emerge in endlessly, and payment methods are constantly innovating. Especially in the past two decades, the exuberance of electronic commerce platform has deeply influenced people's way of life, and the Internet finance has become a hot topic in academic circles. These domino effects do start from the electronic payment system of commercial banks. This paper combs the influence of the electronic payment system of commercial banks on the pattern of world banking in the past 30 years, and analyzes the influence of electronic payment system on commercial banks by using the theory of financial intermediation and Bowmo-Tobin inventory theory. The effect of electronic money derived from electronic payment system on the demand and supply of money and on Internet finance. In the empirical analysis, this paper uses the correlation analysis and Granger causality test. The paper makes an empirical test on the theoretical analysis results by using the index of bank card penetration rate of M0 / GDP / M2 / GDP, and finally puts forward corresponding countermeasures and suggestions.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.2

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