The Research On E-money Impacting Macroeconomic And Its Applying

With the rapid development of e-finance and network technology, the digital age has arrived. E-money as a new generation medium of payment has penetrated into all areas of daily life, and traditional business and consumption patterns are gradually changing, and electronics consumer is increasingly favored. Meanwhile, because of the absolute advantage of e-money in cost, speed, convenience and other aspects, it will replace the cash in circulation some or all, which will have a greater impact on traditional money supply, and thus it will be through macro-transmission mechanism to influence the overall macroeconomic and its development. Therefore, a correct understanding of the advantages of e-money, studying the current development of electronic money, establishing and perfecting the electronic money application systems will really promote the development of economy and financial electronic process.In this context, it starts from the overall perspective first, by related methods in reference the system dynamics, then a dynamic model of e-money impact on macroeconomic is established with the macro statistics from 2000-2007. It uses vensim, spss and other application software to calculate and test the model parameters and analog electronic money development scenarios, and it analyzes e-money impact on the macroeconomic. A conclusion can be drawn that the issuance of electronic money has a significant impact on the money supply, GDP and other related indicators. Therefore in the dawn of e-finance, electronic money should be developed in the economic field, especially in the financial sector. In the basis of these analysis, with the application of e-money in banking, securities, e-commerce and so on for as the research object, using the analysis methods of summarization and comparison, analyzing the advantages and deficiency of application solutions, it points out that it is necessary to set a new connection scheme. Then put forward the idea that a comprehensive financial electronic business service platform be established in order to promote economic development and accelerate the pace of financial electronic.