论文总字数：24737字

摘 要

电子货币是货币发展的一种新形式。现今，电子货币正逐步取代传统货币而成为主要的金融支付工具，是我国乃至全世界当代经济发展最重要的推动力之一。电子货币近年来的快速发展，不仅仅改变了人们的支付方式甚至也改变了人们的生活习惯，这对传统的金融体系和金融理论来说是前所未有的挑战。特别是中央银行货币政策的制定和实施的难度也有所增加。当前，理论界也将电子货币与支付作为一个热点问题进行讨论。毫无疑问，电子货币的快速发展不仅带来了便利也带来了很多挑战。充分利用电子货币的优点并积极应对其带来的挑战有利于更好地推进我国社会经济的进步。

在这样的理论与现实背景下，本文选取与电子货币和我国的货币政策相关的资料进行分析与研究，探讨电子货币与支付对我国货币政策实施效果的影响。前人多从中介工具、货币乘数和因素等角度来进行电子货币与货币政策的关系及未来货币政策的有效性问题方面的探究，对此，前人的研究也都给出了适当的建议及相应问题的解决方案。本文则选取了一个较为新颖的角度，即着重从电子货币对货币政策传导路径的影响这一线索入手来进行对本课题的分析。本研究的结果表明，电子货币与支付的快速发展增加了对货币政策实施效果可控性的难度，进而加大了中央银行制定与实施货币政策的难度。为了应对互联网金融前提下的电子货币与支付的发展所带来的难题，央行在制定和实施货币政策过程中需要注意和完善的地方还有很多。据此，本文的最后总结分析了电子货币的发展和中央银行货币政策实施效果两者之间关系的基础上给出了一些对策与建议。

关键字：电子货币 货币政策 传导路径

Research on the Effect of Electronic Money and Payment on China 's Monetary Policy

Abstract

Electronic money is a new form of monetary development. Today, the electronic money is gradually replacing the traditional currency and it becomes the main financial payment tool, China and the world is one of the most important driving forces of contemporary economic development. The rapid development of electronic money in recent years has not only changed the way people pay even changed the people's living habits, which is an unprecedented challenge to the traditional financial system and financial theory. Especially the central bank monetary policy development and implementation of the difficulty has increased. At present, theorists also discuss electronic money and payment as a hot issue.There is no doubt that the rapid development of electronic money not only brought convenience but also brought a lot of challenges. Make full use of the advantages of electronic money and actively respond to its challenges are conducive to better promote China's social economy progress.

Under the background of this theory and reality, this paper chooses and analyzes the data related to electronic money and China's monetary policy, and discusses the influence of electronic money and payment on the effect of monetary policy in China. The predecessors from the intermediary tools, currency multiplier and factors from the perspective of the relationship between electronic money and monetary policy and the future of the effectiveness of monetary policy issues, this predecessor's research also gives the appropriate recommendations And the corresponding problem of the solution. This paper chooses a more novel perspective, that is, focusing on the analysis of the subject from the clue of the influence of electronic money on the transmission path of monetary policy. The results of this study show that the rapid development of electronic money and payment increases the difficulty of controlling the effect of monetary policy, and further increases the difficulty of the central bank to formulate and implement monetary policy. In order to cope with the problems of the

development of electronic money and payment under the premise of Internet finance, there are many places where the central bank needs to pay attention to and perfect in the process of formulating and implementing monetary policy. Based on the analysis of the relationship between the development of electronic money and the effect of central bank monetary policy, this paper gives some countermeasures and suggestions.

Keywords：Electronic money;Monetary Policy;Conduction path

目 录

摘要 I

Abstract II

第一章 绪论 1

1.1研究理论背景 1

1.2研究框架及研究方法 1

1.2.1研究的框架 1

1.2.2研究的方法 2

1.3研究的目的和意义 2

第二章 理论基础与文献综述 3

2.1理论基础 3

2.1.1电子货币的概念 3

2.1.2电子货币的现状 3

2.1.3电子货币的特征 4

2.1.4电子货币的缺点和带来的挑战 5

2.2文献综述 6

2.2.1电子货币相关研究 6

2.2.2货币政策有效性研究 8

第三章 电子货币对货币政策传导路径的影响 13

3.1托宾q传导路径 13

3.2居民的财富效应传导路径 13

3.3汇率传导路径 14

3.4利率传导路径 14

3.5资产负债表传导路径 15

3.6商业银行信贷传导路径 16

3.7本章小结 16

第四章 电子货币与支付对我国货币政策实施效果的影响 18

4.1货币政策的调控作用  18

4.2电子货币与支付对货币政策传导机制的影响 18

4.2.1电子货币与支付对目标变量的影响 19

4.2.2电子货币与支付对中介变量的影响 19

4.3电子货币与支付对货币政策实施效果的其他影响 20

4.3.1铸币税 20

4.3.2通胀 20

4.3.3金融系统 21

第五章 结论与建议 22

5.1统一规范电子货币的发行和使用 22

5.2创新货币监管制度 22

5.3建立统一的电子货币支付网络 22

5.4建立健全规范的电子货币支付法律制度   22

5.5选择合适的中介目标对宏观经济进行调控 23

5.6加强国际间的协调与合作 23

参考文献 24

致谢 26

第一章 绪论

1.1研究理论背景

1970年以来,电子商务和互联网金融逐步发展了起来,且近几年的发展势头越来越足,随之而来的是电子货币与支付这一块的迅猛发展。由于信息技术应用的越来越广泛,电子货币现在已经成为一种无法被忽视的支付工具了,其甚至正在逐渐取代传统货币占据主导地位。

电子货币的大范畴使用，在某种范畴上取代了现金的发行、减少货币的发行成本，让其发行主体从央行开始转变为其他银行。电子货币相对传统货币来说更为便捷、准确、安全。点货币有着较强的匿名性，交易与传递成本都是较小，还有风险小、支付简单、造假性强、不可追踪性以及交易成本低等特点，这些特点都让大众消费变得十分便捷。因此,电子货币也在我国的各个领域延伸,是我国当代经济发展的最重要因素之一。

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