移动支付对小面额现金的替代效应研究  

Research on the Substitution Effect of Mobile Payment on Small Denomination Cash

作　　者：赵曼曼 王莹[1] 王鹤[1] ZHAO Manman;WANG Ying;WANG He

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》2022年第9期68-70,共3页Journal of Jilin Financial Research

摘　　要：现实生活中,小面额现金承担的主要功能是零售小额交易的支付媒介,而随着移动支付行业蓬勃发展,小额交易领域可由移动支付实现高度替代。本文基于经典的货币需求理论,从总量替代和增量替代两个层面分别构建实证模型并计算移动支付对现金的替代效应,研究移动支付对现金支付的替代率,推算小面额现金的替代效应,并在此基础上提出相应的对策建议。In real life,the main function of small denomination cash is the payment medium of retail small amount transactions.With the vigorous development of mobile payment industry,the field of small amount transactions can be highly replaced by mobile payment.Based on the classical money demand theory,this paper constructs an empirical model from the gross substitution and incremental substitution levels,calculates the substitution effect of mobile payment on cash,studies the substitution rate of mobile payment on cash payment,and calculates the substitution effect of small denomination cash.On this basis,the corresponding countermeasures and suggestions are put forward.

关 键 词：移动支付 小面额现金 替代效应 

分 类 号：F830[经济管理—金融学]