电子货币对货币供给的影响研究

电子货币对货币供给的影响研究摘要ResearchontheInfluenceofElectronicMoneyonMoneySupplyAbstractIncontemporarysociety,withtherapiddevelopmentofelectronicinformationandnetworktechnology,theformofmoneyisconstantlydeveloping,fromthemostprimitivephysicalmoneytometalmoney,andthenwiththedevelopmentoftheeconomy,inordertomeettheneedsoflife,papermoneycamealong.Withthedevelopmentofelectronicinformationandscienceandtechnology,electronicmoneyhascomeintopeople'ssight.Ithasbeenconstantlydevelopingininnovation,expandinginscaleandimprovinginform,whichhasgreatlychangedpeople'smeansofpaymentandwayoflife.Duetoitsfeaturesofconvenience,securityandlowcost,electronicmoneyhasgraduallyoccupiedalargerangeintoday'sworld,anditsdevelopmenthashadagreatimpactonthesupplymechanismoftraditionalmoney,andatthesametimehashadacertainimpactontheeffectiveimplementationofmonetarypolicy.Therefore,itisofgreatsignificancetostudytheimpactofthedevelopmentofelectronicmoneyonmoneysupplyforthesupervisionandimplementationofmonetarypolicy,thestabilityoffinancialorder,andthesatisfactionofpeople'sneedsforabetterlife.Thispaperwillstudytheinfluenceofthedevelopmentofelectronicmoneyonmoneysupply.Firstly,thispaperstartsfromthedefinition,makesclearthedefinitionofelectronicmoney,analyzesandsummarizesthecharacteristicsanddevelopmentstatusofelectronicmoney.Makecleartheresearchbackground,researchobjectandresearchsignificanceofthispaper,readalargenumberofrelevantdomesticandforeignliterature,summarizeit,thencarryoutinnovation,andfinallydrawtheirownconclusions.Bycollectingalargenumberofdataandestablishingaregressionmodel,thispaperstudiestheimpactofthedevelopmentofelectronicmoneyonmoneysupply.Thispaperusesliteratureanalysis,qualitativeanalysis,quantitativeanalysisandempiricalanalysistocombinetheorywithpracticeforresearchandanalysis.Intheoreticalanalysis,mainlyfromthemonetarylevel,themonetarybase,moneymultiplieronthethreeaspectsofresearch,thispaperholdsthatthecommondevelopmentofelectronicmoneywillberelativelyfuzzymonetarylevel,therelativechangeinthestructureofthemonetarybase,increasethecomputationaldifficultyofmonetarymultiplier,furthertothecentralbanktoimplementacertainimpactontheeffectivenessofmonetarypolicy;Intheempiricalanalysis,thispapermainlysearchedrelevantdata,summarizedandsummarizedthedevelopmentofelectroniccurrencythisyear,establishedtheregressionmodel,conductedempiricalanalysisontheresearchthroughthedatastationaritytest,co-integrationtestanderrorcorrectionmodel,andfinallyreachedaconclusion.Finally,throughanalysisandsummary,thepaperobtainstheinfluenceofelectronicmoneyonmoneysupplyfromthreeaspects:moneylevel,basemoneyandmoneymultiplier.Policyadviceontheseeffectsisgivenintwoways:fromthecentralbank'spointofviewandfromtheconsumer'spointofview.Jointlypromotingthehealthyandorderlydevelopmentofelectronicmoneywillimprovethefinancialmarket.

1绪论1.1研究背景和意义1.1.1研究背景1.1.2研究背景1.2研究思路和章节安排1.2.1技术路线一、绪论一、绪论三、理论分析四、实证分析五、结论与建议研究背景和意义国内外文献综述研究方法和手段对货币层次影响分析对基础货币影响分析研究结论数据来源及分析思路指标选取和统计描述政策建议模型建立回归分析协整检验数据平稳性检验验误差修正模型本文的创新点和不足对货币乘数的影响分析电子货币的相关概述影响货币供给的相关因素电子货币的发展现状二、相关概述及发展现状图1文章结构图1.2.2章节安排1.3研究方法1.3.1文献分析法1.3.2定性分析和定量分析法1.3.3实证分析法1.4本文的创新点及不足1.4.1本文的创新点1.4.2本文的不足之处2相关概述及发展现状2.1电子货币的相关概述2.1.1电子货币的定义和特点2.2影响货币供给的相关因素2.3电子货币的发展现状3电子货币对货币供给影响机制的理论分析3.1电子货币对货币层次影响机制的理论分析3.1.1货币层次的划分3.1.2电子货币对货币层次影响的理论分析3.2电子货币对基础货币影响机制的理论分析3.2.1电子货币对现金的替代效应3.2.2电子货币对法定存款准备金的影响3.2.3电子货币对超额存款准备金的影响3.3电子货币对货币乘数影响机制的理论分析3.3.1货币乘数的基本概念3.3.2电子货币对货币乘数影响机制的理