摘要
货币电子化给企业的发展带来重大影响,但在微观层面上,货币电子化如何影响企业的供求成本在理论界鲜有研究。研究表明,在供给方面,货币电子化会降低企业的载体成本、信息成本,而增加企业的信用成本。在需求方面,货币电子化会降低载体成本、信息成本,而增加监管成本。企业应利用货币电子化带来的机遇,发挥其有利影响,限制其负面影响。
Currency electronization has brought an impressive and significant impact on the development ofenterprises, however, from the prespective of micro level, few studies have focused on doing reasearch on how thecurrency electronization affects the supply and demand cost of enterprises in the academic circle. Studies have shownthat in terms of supply, currency electronicization will reduce the carrier cost and information cost of enterprises, andincrease the credit cost of enterprises. On the demand side, currency electronization will reduce carrier cost,information cost, and increase regulatory cost. Enterprises should take full advantage of the opportunities brought bycurrency electronization to exert their favorable influence and eliminate their negative impact.
作者
蒋海曦
余声启
李天德
Jiang Haixi;Yu Shengqi;Li Tiande
出处
《改革》
CSSCI
北大核心
2018年第11期99-107,共9页
Reform
基金
国家社会科学基金青年项目"中国补充性货币监管研究"(批准号:16CJY067)
关键词
货币电子化
企业供求成本
互联网金融
electronization
supply and demand cost of enterprise
internet finance
