本文選題：第三方支付 + 電子貨幣��； 參考：《河北經(jīng)貿(mào)大學(xué)》2016年碩士論文

【摘要】：隨著支付電子化的不斷推進(jìn),傳統(tǒng)紙幣和硬幣被電子貨幣所取代,由電子貨幣承擔(dān)主要的交易和支付職能已經(jīng)成為貨幣形態(tài)發(fā)展的歷史趨勢(shì)。進(jìn)入到21世紀(jì)以來,互聯(lián)網(wǎng)經(jīng)濟(jì)快速成長(zhǎng)為新的經(jīng)濟(jì)力量,為全球所關(guān)注,近幾年,電子貨幣在我國(guó)以飛快的速度發(fā)展,在人們生活中扮演角色的重要性越來越突出,第三方支付在這一發(fā)展過程中功勞很大。2015年第三季度艾瑞數(shù)據(jù)顯示第三方支付交易規(guī)模達(dá)3萬億,同比增速達(dá)52.6%,整個(gè)市場(chǎng)持續(xù)高速增長(zhǎng),在整個(gè)國(guó)民經(jīng)濟(jì)中的重要性進(jìn)一步增強(qiáng),這在一定程度上都有賴于電子商務(wù)平臺(tái)的發(fā)展和信息技術(shù)的推進(jìn)。電子支付技術(shù)上的突破,第三方支付對(duì)電子支付方式進(jìn)行了大量創(chuàng)新,增進(jìn)了消費(fèi)者的用戶體驗(yàn),能夠用其支付的場(chǎng)景得到了不斷擴(kuò)展。隨著電子商務(wù)的快速增長(zhǎng)和在消費(fèi)領(lǐng)域的不斷深入,第三方支付的網(wǎng)絡(luò)電子支付規(guī)模也得到迅速擴(kuò)大,使得第三方支付電子貨幣在零售領(lǐng)域得到了深化,人們的生活方式和支付習(xí)慣正不斷被改變。這種新的支付工具在帶來全新的支付體驗(yàn)的同時(shí),也使傳統(tǒng)的貨幣金融理論受到來自這種電子支付方式所帶來的沖擊,這將會(huì)給中央銀行的貨幣政策制定和金融監(jiān)管工作帶來許多新的課題。本文分析了當(dāng)前第三方支付電子貨幣的發(fā)展對(duì)我國(guó)貨幣供給的影響,研究采用了理論與實(shí)證相結(jié)合的方法。從電子貨幣發(fā)展的歷程出發(fā),對(duì)電子貨幣的內(nèi)涵及特點(diǎn)進(jìn)行了介紹;然后結(jié)合第三方支付電子貨幣在我國(guó)的發(fā)展歷程和現(xiàn)狀,重點(diǎn)介紹了第三方支付對(duì)電子貨幣發(fā)展帶來的新特點(diǎn),采用理論方法研究了其對(duì)我國(guó)貨幣供給、中央銀行以及現(xiàn)金替代效應(yīng)的影響;再次從定量分析的角度研究了第三方支付電子貨幣對(duì)我國(guó)貨幣供給的影響,此分析主要采用相關(guān)季度數(shù)據(jù)進(jìn)行計(jì)量分析,通過研究第三方支付電子貨幣對(duì)現(xiàn)金漏損率的影響,分析其對(duì)貨幣乘數(shù)、貨幣供給的影響。最后針對(duì)以上分析總結(jié)第三方支付電子貨幣引起的貨幣供給層次、現(xiàn)金漏損率、貨幣乘數(shù)的變化,并討論了這些變化帶來的沖擊,然后為中央銀行制定貨幣政策提供一些相應(yīng)的對(duì)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[Abstract]:With the development of electronic payment, traditional banknotes and coins have been replaced by electronic money.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.
【學(xué)位授予單位】：河北經(jīng)貿(mào)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F822.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 陳昊;;我國(guó)移動(dòng)支付市場(chǎng)發(fā)展現(xiàn)狀SWOT分析[J];科技和產(chǎn)業(yè);2015年07期

2 李繼尊;;關(guān)于互聯(lián)網(wǎng)金融的思考[J];管理世界;2015年07期

3 謝平;鄒傳偉;劉海二;;互聯(lián)網(wǎng)金融監(jiān)管的必要性與核心原則[J];國(guó)際金融研究;2014年08期

4 陳健;;論互聯(lián)網(wǎng)金融創(chuàng)新——基于第三方支付支付寶視角[J];中國(guó)市場(chǎng);2014年02期

5 朱瑪;;第三方支付機(jī)構(gòu)沉淀資金的權(quán)屬爭(zhēng)議及法律監(jiān)管——兼談“余額寶”的創(chuàng)新與風(fēng)險(xiǎn)[J];西南金融;2013年12期

6 王瑩;;余額寶的流動(dòng)性、收益性及風(fēng)險(xiǎn)分析[J];中國(guó)商貿(mào);2013年35期

7 謝平;劉海二;;ICT、移動(dòng)支付與電子貨幣[J];金融研究;2013年10期

8 屈慶;陳黎;余文龍;;互聯(lián)網(wǎng)金融發(fā)展對(duì)金融市場(chǎng)及債券市場(chǎng)影響分析[J];債券;2013年10期

9 韓國(guó)紅;;第三方支付發(fā)展的十年回顧:一個(gè)文獻(xiàn)綜述[J];企業(yè)經(jīng)濟(jì);2012年12期

10 王靜;魏先華;;我國(guó)貨幣供給內(nèi)生性問題的實(shí)證分析[J];當(dāng)代財(cái)經(jīng);2012年06期

相關(guān)博士學(xué)位論文 前4條

1 蔣少華;電子支付發(fā)展對(duì)央行貨幣政策的影響研究[D];中國(guó)社會(huì)科學(xué)院研究生院;2013年

2 容玲;第三方支付平臺(tái)競(jìng)爭(zhēng)策略與產(chǎn)業(yè)規(guī)制研究[D];復(fù)旦大學(xué);2012年

3 李健民;基于價(jià)值網(wǎng)絡(luò)的移動(dòng)支付模式研究[D];中南大學(xué);2011年

4 高叢;中國(guó)的移動(dòng)支付市場(chǎng)機(jī)制與效率研究[D];北京郵電大學(xué);2006年

，

本文編號(hào)：1860565