电子支付与存款准备金调控关系研究

近年来,随着计算机与网路技术的发展,电子支付系统得到普及推广,银行业金融机构之间的关联性不断加强,金融市场流动性风险的控制与管理受到普遍关注。存款准备金率作为金融宏观调控的重要工具之一,不仅要发挥金融市场流动性管理作用,而且要满足银行间资金清算的需要。那么,电子支付信息与存款准备金之间的具体关系如何,是否能够反映金融市场对准备金头寸需求的变化,对存款准备金率宏观调控的实施效果又有何影响,对此进行了研究。

As the computer and network technology developed recent years, the electronic payment system was also developing quickly. The association among the financial institutions in the banking industry was strengthened continuously, the management of financial market liquidity risk was general concerned. As the one of the important tools for financial macro-regulation, deposit reserve rate not only played the role in financial market liquidity management, but also had to meet the need for the clearing fund in banks. This paper made a research on the relationship between the electronic payment information and deposit reserve and some other related questions.