CAJ | 학술논문

互联网金融对传统金融的发展产生了巨大的冲击。央行的货币政策实施效果依赖对银行准备金以及社会流通货币的控制，而互联网金融的发展会改变货币的流通速度和流通方式，影响到货币的供给和需求，进而会对传统的货币政策效果产生影响。理论和实证分析表明，互联网金融对货币政策有深刻的影响。
호련망금융대전통금융적발전산생료거대적충격。앙행적화폐정책실시효과의뢰대은행준비금이급사회류통화폐적공제，이호련망금융적발전회개변화폐적류통속도화류통방식，영향도화폐적공급화수구，진이회대전통적화폐정책효과산생영향。이론화실증분석표명，호련망금융대화폐정책유심각적영향。
The emergence of Internet finance has fully revealed its potential and has a huge impact on tra-ditional financial market. The implementation effect of the monetary policy of the Central Bank depends on the control of bank reserves and social currency, and the development of the Internet finance would change the speed and way of currency circulation, which will influence the currency supply and demand, then finally influence the effect of the traditional monetary policy.