电子货币的特征及其理论基础分析  

An Analysis on the Characteristics of E-money and its Fundamental Theories

作　　者：谢云山[1] 袁天昂[2] 

机构地区：[1]云南财经大学MBA教育学院,云南昆明650221 [2]中国人民银行昆明中心支行,云南昆明650021

出　　处：《河南金融管理干部学院学报》2008年第5期56-58,共3页Journal of Henan College of Financial Management Cadres

摘　　要：相对于传统货币,电子货币具有准货币、发行主体多元化、流通速度快、面临新风险等特征。电子货币的一些特征符合新货币经济学和内生货币供给理论所描述的经济状态。基于新货币经济学和内生货币供给理论对电子货币进行分析,得出结论:在电子货币完全流通的情况下,中央银行将逐渐丧失货币的垄断发行权,商业银行与其他非银行金融机构甚至非金融机构均可以发行电子货币,通货膨胀有可能不复存在,传统意义上的货币可能消失。In comparison to traditional money （E -money）, electronic money owns such features as quasi -money, diversified issuing entities, quick circulation speed, and new risks. Some features of E - money confirm the economic state described by neo - pecuniary economics and theory of internally generated money supply. An analysis is made on E - money on the basis of neo - pecuniary economics and theory of internally generated money supply. The conclusion is that in circumstance of complete circulation of E - money, the central bank will gradually lose the monopolized money- issuing power, and that all commercial banks, other non -banking financial institutions, even non- financial institutions can issue E -money, with inflation probably not to exist any more and money in traditional meaning likely to disappear.

关 键 词：电子货币 新货币经济学 内生货币供给理论 

分 类 号：F820.2[经济管理—财政学]