預付現金模型加入信用角色之短期通貨膨脹效果

淡江大學機構典藏 > 商管學院 > 經濟學系暨研究所 > 學位論文 > Item 987654321/32490

Please use this identifier to cite or link to this item: https://tkuir.lib.tku.edu.tw/dspace/handle/987654321/32490

Title:	預付現金模型加入信用角色之短期通貨膨脹效果
Other Titles:	The short-run effects of inflation with the role of credit in the cash-in-advance model
Authors:	邵泓道;Shao, Hung-dau
Contributors:	淡江大學經濟學系碩士班莊希豐;Chuang, Shi-feng
Keywords:	信用消費財;通貨膨脹;預付現金;credit goods;Inflation;cash-in-advance
Date:	2007
Issue Date:	2010-01-11 02:13:48 (UTC+8)
Abstract:	在現實社會上，購買物品的方式不侷限於現金，包含信用卡、車貸、信貸等各種消費性貸款，都可以幫助家戶購買消費商品；過去理論文獻也不乏有討論這些信用消費財或信用消費方式對經濟變數的影響。然而，文獻中均設定在家戶將準時清償其信用消費做出長期的討論。近年來，我國在各種消費性貸款及信用餘額屢創新高，同時也可發現各種消費商品的價格卻不斷提高，細觀其中許多交易皆建立在信用方式上，在信用消費方式多元化的今天，需求將帶動價格上升是很正常的現象；但若透過信用交易的家戶並未如期清償，將額外增加一筆循環利息，此一利息非央行所能控制；伴隨利息進入體系後，信用角色對總體經濟變數，也將出現不同於過去文獻的影響。本文利用預付現金模型透過家戶最適選擇，討論加入信用角色的通貨膨脹效果，尤其著重討論在金融機構提供信用消費方式後，其所提出之約訂利率對各經濟變數的影響；除了恆定狀態的討論外，也利用預付現金模型做出短期效果。而最終可以發現，家戶越偏好信用消費方式將放大貨幣供給成長率對通貨膨脹的影響，而約訂利率也同樣有著放大的效果；即若家戶未能準時償還其信用消費，則通貨膨脹率將異常提高，不同於以往文獻的結論。 This paper uses the cash-in-advance (CIA) model for the household optimization problem, studying the effects of inflation with the role credit. The paper especially focuses on the effects of contracted interest rate of credit, which is contracted after the financial organizations provide the loan for credit-good consumption, on various economic variables. Besides the steady-state effects, this paper also studies the short-run effect of credit in the CIA model. We find that the more the household prefer the credit-good consumption, the longer the relationship between the growth rate of money supply and the inflation rate, and also the contracted interest rate. It means that, if the household had not been able to repay its credit goods punctually, the inflation rate will increase exceptionally; this conclusion is different from those previous.
Appears in Collections:	[經濟學系暨研究所] 學位論文

Files in This Item:

File	Size	Format
	0Kb	Unknown	297	View/Open

Loading...