ICT、移动支付与电子货币

ICT,Mobile Payments and Electronic Money

随着信息通信技术(ICT)的发展和移动终端普及率的提高,移动支付完全有可能取代现金和信用卡成为主要的支付方式。移动支付是电子货币形态的主要表现形式,电子货币是移动支付存在的基础,二者具有网络规模效应,而预期在移动支付和电子货币网络规模效应中起着关键作用,随着移动支付和电子货币网络规模效应的凸显,移动支付的低交易成本优势得到充分发挥,从而减少了人们对现金货币的需求,改变了货币需求的形式。同时,中央银行和利润最大化的企业并行发行货币,将会冲击货币供给。货币需求形式的改变和电子货币的私人供给,将会使得货币控制的有效性大大降低,这时需要中央银行发明新的货币政策工具来应对这一冲击。

With the development of information and communication technology （ICT） and the mobile terminal penetration rate of increase, mobile payment is entirely possible to replace cash and credit card payment. With the proliferation of mobile payments network size effect, low transaction costs of mobile payments is full play, which reduced the demand for cash currency, change the demand for money in the form. At the same time, the central bank and the profit - maximizing firm parallel issue currency, this will impact the money supply. The money demand form changes, and private firm supply electronic money, which will make greatly reduce the effectiveness of the monetary control, then the Central Bank will invent new monetary policy tools to deal with the impact.