电子货币对中央银行货币政策的影响

Electronic Currency’s Effect on the Monetary Policy of the Central Bank

电子货币是一种新的货币形式,它以其方便、快捷、准确等优点成为当今经济生活中不可缺少的一部分。电子货币的存在使得货币的定义与内涵发生了重大的变化,此种变化必然引起对传统货币理论的影响,从而影响到中央银行的货币政策。由于电子货币无须缴纳准备金,并且没有法律的严格限制,使得一些金融机构和企业成为了发行主体,会对中央银行的货币政策产生影响,中央银行必须采取有针对性的措施,从而保证货币政策的顺利实施。

As a new form of currency,electronic currency has become an indispensable part of modern economic life with its good features such as convenience,rapidity and accuracy.The appli-cation of electronic currency naturally brings about great changes in the definition and connotation of currency,which is bound to impact on both the traditional currency theory and the monetary policy of the central bank.Since electronic currency avoids the payment of reserve fund and goes beyond the restraints of law,some financial institutions and enterprises become issuing subjects and there may be an effect on the monetary policy of the central bank.In view of this,the central bank must adopt effective measures so as to ensure the smooth conduction of monetary policy.