银行卡对现金的替代效应分析——以广西为例  

An Analysis of the Substitution Effect of Bankcard for Cash

作　　者：卿文芳[1] 

机构地区：[1]中国人民银行南宁中心支行,广西南宁530028

出　　处：《区域金融研究》2013年第2期56-61,共6页Journal of Regional Financial Research

摘　　要：近年来,在网上支付、电子商务、网上商城和手机移动等新型商务服务平台的推动下,银行卡产业快速发展,银行卡已经成为我国居民消费时使用效率最高的非现金支付工具。银行卡所具备的取代货币形式的交换媒介功能,对中央银行制定和执行货币政策具有重大意义。本文将以现金和银行卡这两种在零售消费领域中占支配地位的支付方式为研究对象,分析银行卡对现金的替代效应。In recent years, with the development of the new business service platforms such as online payment, e-business, online shopping, and mobile payment, bankcard industry has witnessed a rapid growth, and the bank- card has become the most efficient non-cash payment instrument in consumption. As the bankcard can play the role as medium of exchange to replace currency, it has great implication for central banks to formulate and implement mone- tary policy. In this regard, this article takes cash and bankcard, these two most dominant payment methods in retail consumption, as the objects of the study to analyze the substitution effect of bankcard for cash.

关 键 词：支付工具 银行卡 替代效应 

分 类 号：F830.46[经济管理—金融学]