电子货币对中央银行货币政策的影响.doc

电子货币对中央银行货币政策的影响
摘要:自从各国中央银行制度建立以后,中央银行就垄断了货币的发行权,只有中央银行才有资格印制货币并使其进入流通中。但20世纪90年代以来,随着电子科学术技的发展,电子货币凭借其高效率低成本等优点逐渐取代了传统的货币成为主要的交易和支付手段。电子货币的流行使得人们对央行发行基础货币的需求减少,从而使得央行的货币政策的作用有所削弱。另外我国的电子货币还处在起步阶段,还存在不少问题和监管漏洞。本文主要从电子货币对央行货币政策的影响和我国对电子货币的监管进行分析。
关键词:电子货币,中央银行,货币政策,影响
Abstract:Since the central bank system is established, the central bank has a monopoly of currency distribution right, only the central bank are eligible to print money and put it into circulation. But in twentieth Century since the 90's, with the development of Electronic Science and technology, electronic currency because of its advantages of high efficiency and low cost etc. will gradually replace the traditional currency has e the main means of transaction and payment. The circulation of electronic money makes people issue the ary base on the central bank to reduce the demand, so that the central bank's ary policy function weakened. In addition, the electronic currency in China is still in the initial stage, there are still many problems and loopholes in supervision. This article mainly from the electronic currency to the central bank's ary policy influence and our country of the supervision of electronic currency analysis.
Keywords:electronic currency, the central bank, ary policy, implication
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电子货币的出现是信息革命的产物,电子货币的产生和流通使实体货币与观念货币发生分离,真实货币演变为虚拟货币,它有效地降低了信息成本和交易费用。首先是由于网络经济、电子货币极大地突破了现实世界的时空限制,信息流、资金流在网上的传送十分迅速、便捷。同时网络和电子货币还减少了巨额货币印钞、发行、现金流通、物理搬运和清点等大量的社会劳动和费用支出,极大地降低了交换的时