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Finance  2024 

数字人民币下商业银行存款创造机制演变及其差异测算
Evolution of Deposit Creation Mechanism of Commercial Banks under e-CNY and Its Difference Measurement

DOI: 10.12677/FIN.2024.141014, PP. 103-113

Keywords: 存款创造,货币乘数,数字人民币
Deposit Creation
, Currency Multiplier, e-CNY

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Abstract:

当前数字人民币的发行定位于流通中的货币M0,并且主要是由央行集中管理,由于数字人民币的特性,随着数字人民币的逐渐流行,会对商业银行存款创造机制产生冲击,本文通过“数字人民币钱包–兑换数字人民币的方式–对存款创造影响”的机制,梳理基础货币、货币乘数关键要素,分析数字人民币发行下不同的数字人民币钱包对商业银行存款创造机制的影响,对发行数字人民币前后商业银行存款创造机制的演变及差异进行测算,得出数字人民币的发行在短期内对商业银行的存款派生能力产生的影响不大,在未来的进一步推行过程中才会逐渐提高对传统商业银行存款创造的影响力,并据此提出系列数字人民币发行下商业银行的应对措施。
At present, the issuance of e-CNY is located in the currency M0 in circulation, and it is mainly managed by the central bank. Due to the characteristics of e-CNY, with the gradual popularity of e-CNY, it will have an impact on the deposit creation mechanism of commercial banks. This paper combs the key elements of base currency and currency multiplier through the mechanism of “e-CNY wallet-the way to exchange e-CNY-the impact on deposit creation”. This paper analyzes the influence of different e-CNY wallets on the deposit creation mechanism of commercial banks under the issuance of e-CNY, calculates the evolution and differences of the deposit creation mechanism of commercial banks before and after the issuance of e-CNY, and concludes that the issuance of e-CNY has little in-fluence on the deposit derivation ability of commercial banks in the short term, and will gradually improve the influence on the deposit creation of traditional commercial banks in the further implementation process in the future, and accordingly puts forward a series of countermeasures for commercial banks under the issuance of e-CNY.

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