金融理论与实践
金融理論與實踐
금융이론여실천
Financial Theory and Practice
2014年
1期
39~45
,共null页
支付工具 成本结构 支付金额
支付工具 成本結構 支付金額
지부공구 성본결구 지부금액
payment instrument;cost structure;payment amount
在信息技术的推动下，新兴支付工具的快速发展替代了传统支付工具，提高了社会支付效率。多种支付工具共存情况下，支付工具的使用表现为用于不同的支付范围。从成本结构角度出发，分析了各支付工具成本结构关系与支付金额范围的关系，并对荷兰银行2002年支付工具成本调研结果进行了案例分析，这有助于了解新支付工具及支付工具市场的发展，并为深入分析支付工具市场现象起到一个抛砖引玉的作用。
在信息技術的推動下，新興支付工具的快速髮展替代瞭傳統支付工具，提高瞭社會支付效率。多種支付工具共存情況下，支付工具的使用錶現為用于不同的支付範圍。從成本結構角度齣髮，分析瞭各支付工具成本結構關繫與支付金額範圍的關繫，併對荷蘭銀行2002年支付工具成本調研結果進行瞭案例分析，這有助于瞭解新支付工具及支付工具市場的髮展，併為深入分析支付工具市場現象起到一箇拋磚引玉的作用。
재신식기술적추동하，신흥지부공구적쾌속발전체대료전통지부공구，제고료사회지부효솔。다충지부공구공존정황하，지부공구적사용표현위용우불동적지부범위。종성본결구각도출발，분석료각지부공구성본결구관계여지부금액범위적관계，병대하란은행2002년지부공구성본조연결과진행료안례분석，저유조우료해신지부공구급지부공구시장적발전，병위심입분석지부공구시장현상기도일개포전인옥적작용。
The continuous evolution of information technology has led to a significant development of new payments instrument. Generally speaking, different payment instruments are applied to different payment amount scopes when there are several payment instruments. This study analyzes the relations between payment instruments’payment scopes and cost structures. With analyzing empirical evidence provided by a survey on the costs of payment instrument in the Netherlands in 2002, some critical prob-lems of payment instrument are promoted. The work in this paper helps to understand the development of payment instrument market as well as further analyze the phenomena of payment market.
