發(fā)布時間：2018-03-16 21:58

  本文選題：電子貨幣　切入點：貨幣供給　出處：《吉林財經(jīng)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：在貨幣發(fā)展的漫長歷程中，先后經(jīng)歷了由實物貨幣到金屬貨幣、再到紙質(zhì)貨幣的發(fā)展階段。二十世紀(jì)信息革命的到來，為人們帶來了新的支付工具——電子貨幣，它的出現(xiàn)和流通使人們的交易行為和生活方式發(fā)生了巨大變革，不僅有效降低了商品交易的信息成本，還進(jìn)一步增加了交易的時間選擇與空間選擇的靈活性�？茖W(xué)技術(shù)的飛速發(fā)展，不斷地刺激人們對支付手段和交易方式提出更高的要求——高效、便捷、靈活、低成本成為人們對支付方式的新期望。在這種背景下，種類繁多、用途各異的電子貨幣正伴隨著電子商務(wù)的普及應(yīng)用迅猛發(fā)展。放眼全球，未來的電子貨幣必將在條件成熟時取代傳統(tǒng)通貨；而在現(xiàn)今電子貨幣的發(fā)展過程中，其對我國傳統(tǒng)的貨幣供給機制、中央銀行的地位以及貨幣政策的實施等提出了重大挑戰(zhàn)。 本文首先對要研究的電子貨幣做出嚴(yán)格的界定，并對電子貨幣的特征和不同條件下的分類作出簡述和歸納，然后，作為本文寫作的一個亮點，將它與前人研究中易混淆的“電子支付工具”、“電子錢包”和“虛擬貨幣”區(qū)分開來。在對電子貨幣的相關(guān)理論進(jìn)行概述后，本文通過查閱大量數(shù)據(jù)和資料，輔以若干圖片和表格，介紹當(dāng)代電子貨幣的典型產(chǎn)品以及在國內(nèi)和國外的發(fā)展?fàn)顩r，并概括了我國現(xiàn)有電子貨幣的發(fā)展存在的問題。接著探討電子貨幣出現(xiàn)之后，我國的貨幣層次劃分、基礎(chǔ)貨幣的兩個構(gòu)成部分、貨幣乘數(shù)會受到什么影響。本文認(rèn)為，電子貨幣的出現(xiàn)會使貨幣層次劃分變得模糊；基礎(chǔ)貨幣逐漸減少；貨幣乘數(shù)在短期內(nèi)逐漸變大，長期內(nèi)難以預(yù)測。在此基礎(chǔ)上，進(jìn)而分析電子貨幣對中央銀行鑄幣稅收入的影響以及對我國貨幣總供給的影響。最后，在前文總結(jié)電子貨幣發(fā)展出現(xiàn)的問題，，以及對貨幣供給的影響分析的基礎(chǔ)上，本文從兩大方面對我國電子貨幣的發(fā)展提出了政策建議：一是從調(diào)整中央銀行貨幣政策的目標(biāo)和工具等方面，二是建議從健全電子貨幣相關(guān)法律、金融制度建設(shè)等監(jiān)管層面，以及從加快電子貨幣創(chuàng)新，改善電子貨幣受理環(huán)境等多方面著手，促進(jìn)我國電子貨幣的良好發(fā)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.
【學(xué)位授予單位】：吉林財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F822

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本文編號：1621820