淺論電子貨幣對商業銀行的影響

摘要

隨著信息技術和互聯網的迅速發展，電子貨幣也得到了迅速發展，并開始對經濟、社會和生活產生長期影響。由于支付方便，電子資金快速流通以及置換對現金存款和活期存款的影響，它們對現行貨幣體系產生重大影響，對建立商業銀行存款機制的各個方面和方面產生重大影響。電子貨幣作為貨幣發展的最新形式，與傳統貨幣相比，可以提高交易效率，降低交易成本，是一種有前途的貨幣。然而，電子貨幣的使用也帶來了貨幣稅、貨幣政策影響甚至商業銀行等問題，引起了政府部門和科學家的關注和研究。近年來，有關電子貨幣的文章頻頻出現在報紙和雜志上，有些人將其稱為數字貨幣，電子現金等，其定義也不同。電子貨幣的影響也是一個意見問題。在中國，由于電子貨幣發展的相對延遲，其理解仍主要限于銀行卡等基本電子貨幣。因此，電子貨幣的使用對商業銀行的影響尚未得到充分認識。本文將考察理論和實證方面，分析中國電子貨幣發展的影響。

關鍵詞：電子貨幣；商業銀行；影響

On the Impact of Electronic Money on Commercial Banks

Absrtact

With the rapid development of information technology and Internet, electronic money has also developed rapidly, and began to have a long-term impact on the economy, society and life. Because of the convenience of payment, the rapid circulation of electronic funds and the impact of replacement on cash deposits and demand deposits, they have a significant impact on the current monetary system and on all aspects and aspects of the establishment of deposit mechanism in commercial banks. As the latest form of currency development, electronic money can improve transaction efficiency and reduce transaction costs compared with traditional money. It is a promising currency. However, the use of electronic money has also brought about problems such as monetary tax, monetary policy impact and even commercial banks, which has aroused the attention and research of government departments and scientists. In recent years, articles on electronic money have appeared frequently in newspapers and magazines. Some people call it digital money, electronic cash and so on. Their definitions are different. The impact of electronic money is also a matter of opinion. In China, due to the relative delay in the development of electronic money, its understanding is still limited to basic electronic money such as bank cards. Therefore, the impact of the use of electronic money on commercial banks has not been fully recognized. This paper will examine the theoretical and empirical aspects, and analyze the impact of China's e-money development.

Key words:   electronic money; commercial banks; impact

目錄

摘要1

關鍵詞：1

引言1

一、電子貨幣的定義、特性及發展現狀2

（一）電子貨幣的定義2

（二）電子貨幣的特性2

1.不同的存在形式2

2.問題的主體是不同的2

3.信用等級各不相同2

4.不同的使用范圍........................................................................................2

5.匿名程度支付和付款完成情況不同2

（三）電子貨幣的發展現狀3

二、電子貨幣對商業銀行的影響及機遇3

（一）電子貨幣對商業銀行的影響3

（二）電子貨幣對商業銀行帶來的機遇4

三、電子貨幣對商業銀行的優劣勢及發展措施4

（一）商業銀行相對電子貨幣支付的優劣勢4

（二）電子貨幣對商業銀行的發展措施5

1.從客戶需求出發把握互聯網發展5

2.注重拓展業務范圍加強客戶體驗5

3.增強電子貨幣的安全性5

結語6

參考文獻7