摘要
近年来,随着我国非现金支付工具的快速推广和广泛应用,现金在生活中的支付比例呈明显下降趋势。但作为现代信用货币的主要形式,现金仍是重要的支付工具,未来刚性需求仍然存在。通过对国际现金市场的横向对比以及我国改革开放以来现金市场的纵向对比,全面分析我国现金市场的发展现状和特点。同时,从正反两个方面对影响现金使用的因素进行论述,预测我国未来在生存型消费、发展型消费以及享受型消费中的现金使用场景,从而科学分析未来现金需求,为人民币印制、调拨提供参考,改善现金服务环境,维持良好的现金流通秩序。
In China,with the rapid promotion and application of non-cash payment instruments,the cash demand is significantly reduced.However,as the main form of modern credit currency,cash is still an important payment tool,and rigid demand still exists in the future.This article makes a horizontal comparison of the international cash market and a vertical comparison of the cash market since China’s reform and opening up.Then give a comprehensive analysis of market development status and characteristics of cash.We discuss the factors affecting cash use from both positive and negative aspects,so as to predict China’s future cash use scenarios in survival consumption,development consumption and enjoyment consumption,thereby improving the cash service environment and maintaining a good cash circulation.
作者
闫新广
赵玉清
Yan Xinguang;Zhao Yuqing
出处
《金融理论与实践》
北大核心
2019年第11期62-65,共4页
Financial Theory and Practice
