电子支付对现金支付的替代效应研究  

Research on the Substitution Eff ect of Electronic Payment on Cash Payment

作　　者：赵曼曼 马晓民[1] ZHAO Manman;MA Xiaomin

机构地区：[1]中国人民银行长春中心支行,吉林长春130051

出　　处：《吉林金融研究》2021年第1期22-26,共5页Journal of Jilin Financial Research

摘　　要：本文主要研究电子支付对现金支付的替代效应。首先将我国的电子支付划分为两大类,即银行卡支付和第三方支付,在此基础上建立向量误差修正模型(VECM),并进行脉冲响应分析和方差分解,分别分析银行卡支付和第三方支付对现金需求的替代效应,最终得出结论,并提出针对性建议:加强数据采集,完善数据共享机制,建设全面的支付货币统计体系;树立“大支付”理念,建立支付行为追踪制度,统筹现金支付与电子支付;加快DC/EP研发与使用,加强金融监管,完善基础设施和制度建设。This paper mainly studies the substitution eff ect of electronic payment on cash payment.Firstly,the electronic payment in China is divided into two categories:bank card payment and third-party payment.On this basis,vector error correction model(VECM)is established,and impulse response analysis and variance decomposition are carried out to analyze the substitution eff ect of bank card payment and third-party payment on cash demand,and fi nally draw a conclusion.Based on the above conclusions,the following suggestions are put forward:strengthen data collection,improve data sharing mechanism,and build a comprehensive payment monetary statistics system;establish the concept of"large payment",establish payment behavior tracking system,and coordinate cash payment and electronic payment;accelerate the research and use of DC/EP,strengthen fi nancial supervision,and improve infrastructure and system construction.

关 键 词：电子支付 现金 替代效应 

分 类 号：F830[经济管理—金融学]