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反现金事务

发自剑桥——世界已经陷入了纸币的汪洋大海之中,各主要国家央行每年都会释放出等值于数千亿美元的货币,而且主要是类似100美元这样的大面额现钞。 这些100美元大钞夸张地占据了美国4200美元年人均现金供应的近80%。1万日元钞票(约合100美元)则占了日本货币总量的90%,而该国人均现金持有量约达7000美元。与此同时,正如笔者在近二十年来一直指出的那样,所有这些现金都主要用于促进地下经济——而非合法经济——的增长。

笔者并不是在提倡一个无现金社会,因为这在短期内既不可行,也不可取。但一个现金较少的社会将会是一个更公平也更安全的所在。

随着借记卡,电子转账和移动支付的发展,现金的使用已经在合法经济(特别是大中型交易)中逐渐减少。央行调查显示只有一小部分大面额纸币是由普通民众或企业持有和使用。

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