作　　者： ;

机构地区： 广东商学院经济贸易与统计学院

出　　处： 《广东商学院学报》 2011年第5期52-58,67,共8页

摘　　要： 规模变量、机会成本变量及制度变量是决定货币需求的三个因素,但长期以来货币需求研究较少考虑制度变量的影响。以银行机构及支付工具作为制度变量,从理论推导与实证分析两个方面探讨制度变量对货币需求的影响,结果表明:改革开放以来商业银行机构扩张及支付工具的改进节省了城镇居民的现金需求,从而推动了城镇储蓄存款的增长。 Scale variable, opportunity cost and institutional factor are the three main determinate variables of money demand. But the western scholars have mainly focused on the effect of scale and opportunity and seldom considered the influence of institutional factors. This paper uses banks and payment instrument to represent institution and measure the impact of institutional variables on money demand from both theoretical and empirical aspects. It concludes that since the reform and opening-up, the expansion of banks and the improvement of payment instrument have saved the money demand of urban residents and thus indirectly promoted the high growth of urban saving deposits.

关 键 词： 货币需求 制度变量 银行机构 支付工具 城镇储蓄存款

领　　域： [经济管理]