现金支付应与非现金支付和谐共生--基于青海农牧区②和老年人运用智能技术困难的研究  

Theoretical and Practical Research on the Necessity of Cash Existence--Research on the Diffi culties of Using Intelligent Technology in Agricultural and Pastoral Areas and the Elderly in Qinghai

作　　者：严虎[1] 李辰凌 赵梁 YAN Hu;LI Chenling;ZHAO Liang

机构地区：[1]中国人民银行海西州中心支行,青海海西州817099

出　　处：《吉林金融研究》2022年第1期51-54,70,共5页Journal of Jilin Financial Research

摘　　要：现金是国家为社会公众提供的公共物品,国家以法律和国家信用保障现金作为法定货币的地位,是无风险的支付工具和安全资产。任何依赖市场的非现金支付工具或多或少的存在风险。货币的职能、制度经济学的总交易费用、行为经济学以及青海农牧区的现实均需要现金。同时,国际主要国家也因保护弱势群体、考虑支付安全等诸多原因保留现金。为居民保留现金可以降低交易总费用、促进预算控制和提升居民的安全感。Cash is the public goods provided by the state to the public.The state uses law and national credit to guarantee the status of cash as legal tender.It is a risk-free payment tool and safe asset.Any non-cash payment instrument that depends on the market is more or less risky.Cash is needed for the function of money,the total transaction costs of institutional economics,behavioral economics and the reality of agricultural and pastoral areas in Qinghai.At the same time,major international countries also retain cash for many reasons,such as protecting vulnerable groups,considering payment security and so on.Keeping cash for residents can reduce total transaction costs,promote budget control and enhance residents'sense of security.

关 键 词：现金 第三方支付 青海边远农牧区 

分 类 号：F822.2[经济管理—财政学] F830.46