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消费信用卡对货币政策的影响
毕业论文
消费信用卡对货币政策的影响
摘要：随着人类社会经济和科学技术的发展，货币被逐渐地电子化,电子货币大量出现。信用卡是当今主要的电子货币。我国的信用卡发展还处于起步阶段，与发达国家还有1定的差距，但有了较快的发展。信用卡的广泛使用和普及，对现行的国家货币政策产生了各个方面的影响。信用卡影响货币政策工具作用的发挥：使法定存款准备金率的调节作用减小；降低了再贴现政策的存在价值；使公开市场操作复杂化。信用卡同时影响了货币政策的传导机制。信用卡的使用非常方便，已被广泛地使用于小额的交易，部分地替代了流通中的货币，使基础货币量减少，进而减少了货币供给量。信用卡大大地加快了货币的流通速度，减少了货币需求量，缩小了利率的波动范围。信用卡挑战了中央银行的地位，冲击了其货币垄断发行权，同时减少了铸币税收入，缩小了中央银行的资产负债。文章运用货币金融理论对以上各个影响进行了分析，在此基础上，提出相应的解决办法，以便使银行信用卡业务健康发展，最终实现货币政策的目标。
关键词：信用卡；货币政策；货币政策工具；货币供应量
The Impact of Credit Card on Monetary Policy
Abstract: As human socio-economic and scientific and technological development, a large number of electronic currency appear. Credit card is the major electronic currency now. The credit card of our country is still in the initial development stage, there is still a certain gap between our country and the developed countries, but with the rapid development. The popularity of the credit cards impacts on the various aspects of the existing national policy. Credit cards affect the effect of the tools of monetary policy. They weaken the function of the legal reserve requirement on deposit. They reduce the value of the existence of rediscount policy. They make the open market operation complex. Credit cards also affect the transmission mechanism of monetary policy. The use of credit cards is so convenient that they had been widely used for small transactions and had partially subsitated of the currency in circulation .The number of base money is reducing, and the supply of money is reducing too. Credit cards make the money circulate more quickly and reduce the demand for money, also narrow the scope of interest rate. Credit cards challenge the status of the Central Bank. They impact the monopoly authority of currency issue and reduce the seigniorage revenues. The article analyses all the impacts above with the theory of monetary and finance. On this basis, the article puts forward the solution accordingly, so that the credit card would develop well, and achieve the goal of monetary policy ultimately.
Keywords: Credit card; Monetary policy; The tools of monetary policy; Supply of money
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