信息化对中国宏观经济与金融的影响

Impact of Informatization on Macro Economy and Finance in China

宏观经济方面,信息化对短期经济波动、宏观经济总量持续增长两方面产生影响。首先,信息化通过影响就业市场、价格波动、短期投资、消费以及宏观经济政策对短期经济波动造成影响;其次,信息化通过提供新的生产要素、提升生产效率和促进技术创新推动经济长期稳定增长。金融方面,信息化改变了货币的形态与职能,是虚拟货币和电子货币的技术基础;主要通过降低交易成本与减弱信息不对称问题,对金融体系的各方面,包括金融机构、金融市场与金融监管,造成广泛而深远的影响。

The process of Informatization will have great impact on both macro economy and finance. In the respect of macro economy, informatization influences short-term economic fluctuation, the growth of total economic scale and economic structure in China. Firstly, it will influence short-term economic fluctuation by affecting labor market, pricing fluctuation, short-term investment and consumption, as well as the implementation of macroeconomic policy. Meanwhile, it will boost long-term economic growth by providing new production factors, upgrading production efficiency and pushing technology innovation. In addition, it will change economic structure by impacting industry structure, demand structure and regional structure. On the perspective of finance, informatization has changed the monetary form and function, which is the technological foundation of virtual currency and electronic payment. It exerts an extensive and far-reaching impact on the financial institutions, financial market, financial supervision and regulation through two ways： decreasing the transaction costs and alleviating the asymmetric information problems.