浅论电子货币对商业银行的影响

摘要

随着信息技术和互联网的迅速发展，电子货币也得到了迅速发展，并开始对经济、社会和生活产生长期影响。由于支付方便，电子资金快速流通以及置换对现金存款和活期存款的影响，它们对现行货币体系产生重大影响，对建立商业银行存款机制的各个方面和方面产生重大影响。电子货币作为货币发展的最新形式，与传统货币相比，可以提高交易效率，降低交易成本，是一种有前途的货币。然而，电子货币的使用也带来了货币税、货币政策影响甚至商业银行等问题，引起了政府部门和科学家的关注和研究。近年来，有关电子货币的文章频频出现在报纸和杂志上，有些人将其称为数字货币，电子现金等，其定义也不同。电子货币的影响也是一个意见问题。在中国，由于电子货币发展的相对延迟，其理解仍主要限于银行卡等基本电子货币。因此，电子货币的使用对商业银行的影响尚未得到充分认识。本文将考察理论和实证方面，分析中国电子货币发展的影响。

关键词：电子货币；商业银行；影响

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

目录

摘要1

关键词：1

引言1

一、电子货币的定义、特性及发展现状2

（一）电子货币的定义2

（二）电子货币的特性2

1.不同的存在形式2

2.问题的主体是不同的2

3.信用等级各不相同2

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

5.匿名程度支付和付款完成情况不同2

（三）电子货币的发展现状3

二、电子货币对商业银行的影响及机遇3

（一）电子货币对商业银行的影响3

（二）电子货币对商业银行带来的机遇4

三、电子货币对商业银行的优劣势及发展措施4

（一）商业银行相对电子货币支付的优劣势4

（二）电子货币对商业银行的发展措施5

1.从客户需求出发把握互联网发展5

2.注重拓展业务范围加强客户体验5

3.增强电子货币的安全性5

结语6

参考文献7