Помощь в написании студенческих работ
Антистрессовый сервис

Рынок электронных денег в России: структура и особенности функционирования

ДиссертацияПомощь в написанииУзнать стоимостьмоей работы

Hebbink G. E. Electronic money and seigniorage of EU central banks // Research Memorandum WO & E Nr. 490, De Nederlandsche Bank. 1997. — February, (prepared for the Task Force on Electronic Money of the EMI Working Group on EU Payment Systems). Office of the Comptroller of the Currency, Stored Value Card System, Opinion to the Chief Executive Officers of all National Banks // OCC Banking… Читать ещё >

Рынок электронных денег в России: структура и особенности функционирования (реферат, курсовая, диплом, контрольная)

Содержание

  • Глава 1. ТЕОРЕТИЧЕСКИЙ АНАЛИЗ ЭЛЕКТРОННЫХ ДЕНЕГ
    • 1. Эволюция современных денежных форм и факторы, определяющие её развитие
    • 2. Место и роль электронных денег в современных системах наличных и безналичных расчётов
    • 3. Современная интерпретация и анализ электронных денег
  • Глава 2. ЭЛЕКТРОННЫЕ ДЕНЬГИ И ИХ ВЛИЯНИЕ НА ФИНАНСОВУЮ СИСТЕМУ
    • 1. Анализ деятельности современных электронных платёжных систем
      • 1. 1. Платёжные системы на основе карт с магнитной полосой
      • 1. 2. Электронные платёжные системы на основе смарт-карт
      • 1. 3. Электронные платёжные системы на основе «сетевых денег»
    • 2. Влияние электронных денег на основные денежные агрегаты
    • 3. Методы государственного регулирования электронных денег
  • Глава 3. ФОРМИРОВАНИЕ РЫНКА ЭЛЕКТРОННЫХ ДЕНЕГ," РОССИИ
    • 1. Современное состояние и развитие рынка пластиковых карт в России
    • 2. реализация проектов по внедрению электронных денег в России. !

1. Bilker S. Credit card & debt management: a step-by-step how-to guide for organizing debt & saving money on interest payments", 1996.

2. Budd Lake N. J. Credit cards, 1995: the new American growth industry: how credit cards were born, and why they’ll stay banking’s best product. SMR Research Corp., 1995.

3. Cencini A. Money, Income and Time A Quantum-Theoretical Approach. — Pinter Publishers, 1988.

4. Cencini A. Monetary Theory National and International. — Routledge, 1995.

5. Crook J. N., Thomas L.C., Hamilton R. Credit card society: haves, have nots and cannot haves. Edinburgh: Department of Business Studies University of Edinburgh, 1991.

6. Davies G. History of money from ancient times to the present day. University of Wales Press, 1996.

7. Dreifus Н. N. E-Banking: Smart cards, electronic money and other leading edge transaction and payment systems, 1996.

8. Edwards R., Edwards S., Rohrbough L. Making money in cyberspace. JP Tarcher, 1998.

9. Frazer P. A. T. Plastic and electronic money: new payment systems and their implications. -Cambridge: Woodhead Faulkaer, 1985.

10. Furche A., Wrightson G. Computer money: A systematic Overview of Electronic Payment Systems. Heidelberg: Monetary Systems Engineering Group, 1996.

11. Goodhart C. Money, Information and Uncertainty. NY: Macmillan, 2nd ed., 1989.

12. Groeneveld, Johannes M. Seigniorage electronic money and financial independence of central banks. Amsterdam: De Nederlandsche Bank, 1997.

13. Hammond R. Digital business: how to make money in an on-line world. London: Hodder & Stoughton, 1996.

14. Henderson P. Modern Money, in Solomon, E. (ed.), Electronic Funds Transfers and Payments: The Public Policy Issues. Kluwer Nijhoff Publishing, 1987.

15. Klein Barry T. (Editor) Directory of Mastercard and Visa credit card sources, 2nd ed., 1996.

16. Kurtzman J. The death of money: how the electronic economy has destabilized the world’s markets and created financial chaos, 1993.

17. Loshin P., Murphy P. Electronic commerce: on-line ordering and digital money. Rockland Mass: Charles River Media, 1997.

18. Lynch D.C., Lundquist L. Digital money: the new era of Internet commerce. N. Y. Chichister: Jonh Wiley & Sons, 1995.

19. Marimon R, Nicolini J.P., Teles P. Electronic money: the end of inflation?, 1997.

20. Mayer M. «The bankers: the next generation: the new worlds of money, credit, & banking in an electronic age», 1998.

21. O’Mahony D., Peirce M., Tewari H. Electronic payment systems. Artech house, 1997.

22. Ritzer G. Expressing America: a critique of the global credit card society. Thousand Oaks: Pine Forge Press, 1995.

23. Schmitt В. Monnaie, salaires et profits. Presses Universitares de France, 1966.

24. Schmitt В. Theorie unitaire de la monnaie, nationale et internationale. Castella, 1975.

25. Schmitt В., Cencini A. wages and profits in a theory of emissions, in Baranzini, M. (ed.), Advances in economic theory. Basil Blackwell, 1982. — P. 137−146.

26. Simmons M. The credit card catastrophe: the 20th century phenomenon that changed the world, 1995.

27. Solomon E. H. Electronic money flows: the molding of a new financial order. Boston. * Kluwer Academic Publishers, 1991.

28. Solomon E. H. Virtual money: Understanding the power and risks of money’s high-speed journey into electronic space, 1997.

29. Tapscott.D. Digital Economy, promise and perilin the age of networked intelligence. NY: McGraw-Hill, 1997.

30. Vartanian Thomas P., Ledig Robert H., Bruneau L. 21st Century: Money, Banking and Commerce. Fried, Frank, Shriver & Jacobson, 1998.

31. Wayner P. Digital cash. Boston: Mass: AP Professional, 2nd ed., 1997.

32. Whinston Andrew В., Stahl Dale О. The Economics of Electronic Commerce. NY: Macmillan Technical Publishing, 1997.

33. Woods Brett F. E-Money: Financial management in the electronic age, 1997.

34. Yasushi N. An electronic money schame which is both secure and convenient. Tokyo: Institute for monetary and economic studies, Bank of Japan, 1997.

35. Anderson С. A survey of electronic commercein search of the perfect market // The Economist. 1997. — 10 May. — P. 9.

36. Bass Th. A. The future of money // Wired. 1996. — Vol. 4. — Nr. 10. — October.

37. Bauer P. W. Making Payments in Cyberspace // Federal Reserve Bank of Cleveland, Economic Commentary. 1995. — October.

38. Berentsen A. Digital Money, Liquidity, and Monetary Policy // First Monday. 1997. — Vol. 2.-Nr. 7.-7 July.

39. Berentsen A. Monetary Policy Implications of Digital Money // Kyklos, forthcoming 1998.

40. Berger A.H., Hancock D., Marquardt J.C. A Framework for Analyzing Efficiency, Risks, Costs, and Innovations in the Payment System // Journal of Money, Credit and Banking. 1996. -Vol. 28. — Nr. 4. — November. — P. 696−732.

41. Bernkopf M. Electronic cash and monetary policy // First Monday. 1996. — Nr. 1. — May.

42. Birch D. W. G. Electronic cash and the new economy The electronic commerce explosion // Paper. — 1994. — December.

43. Birch D. W. G. Bye, bye banknotes // Journal of Internet Banking and Commerce. 1997. -Vol. 2. — Nr. 1. — January.

44. Boeschoten W. C., Hebbink G. E. Electronic money, currency demand and seigniorage loss in the G-10 countries // De Nederlandsche Bank Staff Report. 1996. — Nr. 1. — May.

45. Bono C. Monetary policy operating procedures in industrial countries // Basel: Bank of International Settlements. 1997. — Working papers Nr. 40.

46. Bos J. W. D. Effects of prepaid cards on note and coin circulation in the EC countries // De Nederlandsche Bank, Research Memorandum. WO & E. — 1993. — Nr. 9314. — June.

47. Brito P. L., Hartley P. R. Consumer rationality and credit cards // Journal of political economy. Chicago. — 1995. — Nr. 2. — P. 400.

48. Browne F. X., Cronin D. Payments Technologies, Financial Innovation and Laissez-Faire Banking // Gato Journal. 1995. — Vol. 15. — Nr. 1. — P. 101−116.

49. Burrouhs R. The future of money // Business Week. 1995. — June. — P. 36.

50. Caskey J. P., Sellon G. H. Is the debit card revolution finally here? // Federal Reserve Bank of Kansas City, Economic Review. 1994. — Nr. 4. — P. 79−95.

51. Chakravorti S. How do we pay? // Federal Reserve Bank of Dallas, Financial Industry Issues. 1997. — First Quarter. — P. 1−6, 8.

52. Chinoy Sh. Electronic money in electronic purses and wallets // Banking and Finance Law Review. 1996. — Vol. 12. — P. 15−39.

53. Chaum D. Achieving Electronic Privacy // Scientific American. 1992. — August.

54. Chaum D. Prepaid Smart Card Techniques // Amsterdam: DigiCash. 1994.

55. Cooper Ramo J. The Big Bank theory and what it says about the future of your money // Time. — 1998. — Vol. 151. — Nr. 16. — 27 April.

56. Cortese A. What’s the color of cybermoney? // Business Week. 1995. — 27 February. — P. 36.

57. Cortese A. Smart cards: the ultimate plastic // Business Week. 1997. — 19 May.

58. Crawford B. Is Electronic Money Really Money? // Banking and Finance Law Review. -1996. Vol. 12.

59. Digitizing Dollars // The Economist. 1996. — 30 March. — P. 68.

60. Duca John V. Credit Cards and Money Demand: A Cross-sectional Studies // Journal of money, credit, and banking. 1995. — 01 May.

61. Electronic money. So much for the cashless society // The Economist. 1994. — 26 Nov.- P. 24.

62. Ely В. Electronic money and monetary policy: separating fact from fiction // The Cato Institute’s 14th Annual Monetary Conference on «The Future of Money in the Information Age». -Washington D.C. 1996. — 23 May.

63. England C. Cyberbanking and Currency Competition // The Cato Institute’s 14th Annual Monetary Conference on «The Future of Money in the Information Age». -Washington D C. -1996. 23 May.

64. Friedman M, Schwartz A. Has Government Any Role in Money? // Journal of Monetary Economics. 1986. — Nr. 17.

65. Froomkin A. M. The Essential Role of Trusted Third Parties in Electronic Commerce // 75 Oregon L. Rev. 49. 1996.

66. Gilbert R. A. Financial regulation in the information age // The Cato Institute’s 14th Annual Monetary Conference on «The Future of Money in the Information Age». Washington, D C. -1996.-23 May.

67. Good B. A. Electronic money // Economic Research Department of Federal Reserve Bank of Clevland. -Working Paper Series Nr. 97−16. 1997.

68. Good B. A. Private money: everything old is new again. // Federal Reserve Bank of Cleveland, Economic Commentary. 1998. — 1 April.

69. Greenspan A. Speech given at the US Department of Treasury Conference «Towards Electronic Money and Banking: The Role of Government». Washington, DC.: U.S. Dept. of the Treasury. — 1996. — 19−20 September.

70. Greenspan A. Remarks on Evolving Payment System Issues // Journal of Money, Credit and Banking. 1996. — Vol. 28. — N. 4. — November. — P. 689−695.

71. Hancock D., Humphrey D. B. Payment transactions, instruments, and systems: a survey // Journal of Banking and Finance. 1998. — Vol. 21. -Nr. 11−12. — P. 1573−1624.

72. Harper I. R., Leslie Ph. Electronic payments systems and their economic implications // Policy. 1995. — Autumn. — P. 23−28.

73. Hebbink G. E. Electronic money and seigniorage of EU central banks // Research Memorandum WO & E Nr. 490, De Nederlandsche Bank. 1997. — February, (prepared for the Task Force on Electronic Money of the EMI Working Group on EU Payment Systems).

74. Hoenig Т. M. The evolution of the payments system: a U.S. perspective // Federal Reserve Bank of Kansas City, Economic Review. 1995. — Nr. 3. — P. 5−98.

75. Holland K., Cortese A. The future of money // Business Week. 1995. — 12 June. — P. 36−40, 42,44,46.

76. Humphrey D., Pulley L., Vesala J. Cash, paper and electronic payments: A cross-country analysis // Jqurnal of money, credit, and banking. 1996. — Vol. 28. — Nr. 4. — November. — P. 914−939.

77. Ickes B. The End Of the World As We Know It // New Yorker. 1995. — 24 July.

78. In search of a future // The Banker. 1997. — Vol. 147. — Nr. 860. — October. — P. 28−29.

79. Iwat Ed. Cash losing status as most favored notion // San Francisco Examiner. 1998. — 15 March.

80. Jordan J. L., Stevens E. J. Money in the 21st century // The Cato Institute’s 14th Annual Monetary Conference on «The Future of Money in the Information Age». Washington, D C. -1996.-23 May.

81. Kelley E.W. The Future of Electronic Payments, remarks before the BAI Conference «The National Payment System». Washington. — 1996. — October.

82. Kelly H., Cortese A. The Future of Money // Business Week. 1995. — 12 June.

83. Kleiner К. Banking On Electronic Money: Cover Story // New scientist. 1995. — 8 Apr. -P. 26.

84. Krimminger M. Banks and the future of the payments system part one. // E-Money, The Journal of Electronic Commerce for the Financial Services Industry. — 1998. — Vol. 1. — Nr. 1. -May. — P. 14−22.

85. Krimminger M. Banks and the future of the payments system part two. // E-Money, The Journal of Electronic Commerce for the Financial Services Industry. — 1998. — Vol. 1. — Nr. 2 -June. — P. 10−16.

86. Kutler J. Sparks fly on electronic money // American Banker. 1995. — 4 August. — P. 14.

87. Laster D., Wenninger J. Policy Issues raised by Electronic Money, paper presented at the Conference on Digital Cash and Electronic Money // Columbia Business School. 1995. — 21 April.

88. Laster D., Wenninger J. The Electronic Purse, in Current Issues in Economics and Finance // Federal Reserve Bank of New York. 1995. — Vol. 1. — Nr. 1. — 1−6 April.

89. Levy S. E-money (that's what I want) // Wired. 1994. — Vol. 2. — Nr. 12. — December. — P. 174−179,213−215,218−219.

90. Levy S. The end of money? // Newsweek. 1995. — 6 Nov. — P. 36−40.

91. Low S. H. Anonymous Credit Cards and Their Collusion Analysis // Ieee/acm transactions on networking. 1996. — 1 Dec.

92. Maidment P. The age of Cybercash // Newsweek. 1994;95. — December-January. — P. 128.

93. Marimon R., Nicolini J. P., Teles P. Electronic money: the end of inflation? // Institute for Empirical Macroeconomics, Federal Reserve Bank of Minneapolis. 1997. — AugustDiscussion Paper Nr. 122.

94. Matonis J. W. Digital cash and Monetary Freedom // Internet Society Annual Conference -1995. April.

95. McAndrews J. J. Banking and payment system stability in an electronic money world // Federal Reserve Bank of Philadelphia. 1997. — July. — Working paper Nr. 97−9.

96. McDonough W. J. The Transformation of the Retail Payments Business, remarks before the BAI Conference «The National Payment System». Washington. — 1996. — October.

97. Meister E. Cybermoney, Prepaid Cards and the Euro, Speech given by the Bundesbank Director at the annual meeting of the Federal Association of German Money and Valuables Transport Companies. Frankfurt. — 1996. — November.

98. Mitchell R. The smart money is on smart cards // Business Week. 1995. — 14 Aug. — P. 5556.

99. Philips J. Bytes of Cash: Banking, Computing and Personal Finance // First Monday Review. 1996. — Vol. 1. — Nr. 5. — November.

100. Phillips T. Plastic treasure: high street banks have a new smart card for us to bill and coo over // The Guardian. 1997. — 24 Sep.

101. Piffaretti N. A theoretical approach to electronic money // Faculty of Economic and Social Sciences, University of Fribourg, Switzerland. Working paper FSES-98−302. — 1998. -February.

102. Poynder R. Today’s technology: understanding e-money and e-commerce // E-Money, The Journal of Electronic Commerce for the Financial Services Industry. 1998. — Vol. 1. — Nr. 3. -July. — P. 18−21.

103. Prinz A. Money in the real and the virtual world: e-money, c-money and the demand for cb-money // Netnomics. 1999. — Vol. 1. — Nr. 1. — P. 17.

104. Prinz A. The regulation of e-money: how policy is being shaped in Europe // E-Money, The Journal of Electronic Commerce for the Financial Services Industry. 1998. — Vol. 1. — Nr. 3. -July. — P. 8−14.

105. Richards H. New electronic payment technologies: a look at security issues // Journal of Retail Banking Services. 1997. Vol. 19. — Nr. 3. — Autumn. — P. 41−46.

106. Roberds W. What’s really new about the new forms of retail payment? // Economic Review, Federal Reserve Bank of Atlanta. 1997. — Vol. 82. — Nr. 1. — First Quarter. — P. 32−45.

107. Roberds W. The impact of fraud on new methods of retail payment // Economic Review, Federal Reserve Bank of Atlanta. 1998. — Vol. 83. — Nr. 1. — First Quarter. — P. 42−52.

108. Santomero A. M. Seater J. J. Alternative monies and the demand for media of exchange // Journal of Money, Credit, and Banking. -1996. Vol. 28. — Nr. 4. — Part 2. — November. — P. 942 960.

109. Schreft S. L., Smith B. D. The evolution of cash transactions: some implications for monetary policy // Federal Reserve Bank of Cleveland. 1997. — Working Paper Series Nr. 04−97.

110. Selgin G. E-money: Friend or Foe of Monetarism? // The Cato Institute’s 14th Annual Monetary Conference on «The Future of Money in the Information Age». Washington, D C. -1996.-23 May.

111. Setton D. King of plastic // Forbes. 1997. — 15 Dec.

112. Sherman A. Electronic Commerce, How you can make money over the Internet // Newsweek. 1997. — 15 Sep. — P. 32−33.

113. Show me the money // Electronic business today. 1997. — 01 Sep.

114. Sifers R. W. Regulating Electronic Money in Small-Value Payment Systems // Federal communications law journal. 1997. — 1 Apr.

115. Smithin J. N. Financial Innovation and Monetary Theory // Three Banks Review. 1984. -December. — P. 26−37.

116. Stewart D. The Future of Digital Cash on the Internet // Journal of Internet Banking and Commerce. 1997. — Vol. 2. — Nr. 3. -17 July.

117. Stuber G. The Electronic Purse An Overview of Recent Developments and Policy Issues // Bank of Canada. — Technical Report N. 74. — 1996.

118. Tanaka T. Possible consequences of digital cash // First Monday Review. 1996. — Vol. 1. -Nr. 2. — August.

119. Tether Tr. Electronic cash: the regulatory issues // Butterworths Journal of International Banking and Financial Law. -1997. May.

120. Van der Wielen H. Electronic Money: a European Perspective, paper presented at the London Bankers Club Seminar on Electronic Money // Bank of England. 1997. — February.

121. Van Hove L. Electronic purses and currency: a competition between networks // E-Money, The Journal of Electronic Commerce for the Financial Services Industry. 1998. — Vol. 1. — Nr. 2.-June. P. 3−9.

122. Way to pay // The Economist. 1997. — 4−10 Oct. — P. 92.

123. Weaver C. Smart cards in the United States: what is holding up the show? // E-Money, The Journal of Electronic Commerce for the Financial Services Industry. 1998. — Vol. 1. — Nr. 4. -August. — P. 3−10.

124. Wenninger J., Laster D., The electronic purse. Current issues in economics and finance // Federal Reserve Bank of New York. 1995. — Vol. 1. — Nr. 1. — April. — P. 1−5.

125. White L. H. The technology revolution and monetary evolution // The Cato Institute’s 14th Annual Monetary Conference on «The Future of Money in the Information Age». Washington, D.C. — 1996. — 23 May.

126. American Bankers Association, Statistical Information on the Financial Services Industry, 7th ed., Washington, D C.: ABA and Furash & Company estimates. 1996.

127. Bank of International Settlements (BIS), Possible seignorage implications of the development of electronic money // Committee on Payment and Settlement Systems. Basle. — 1995.

128. Bank of International Settlements (BIS), Security of Digital Money // Bank of International Settlements. Basle. — 1996.

129. Bank of International Settlements (BIS), Implications for Central Banks of the Development of Digital Money // Bank of International Settlements. Basle. — 1996. — October.

130. Bank of International Settlements (BIS), Statistics on Payment System in the Group of Ten Countries // Bank of International Settlements. Basle. — 1997. — December.

131. Bank of International Settlements (BIS), Statistics on Payment System in the Group of Ten Countries//Bank of International Settlements. Basle. — 1998. -December.

132. Basle Committee on Banking Supervision, Risk management for electronic banking and electronic money activities // Bank for International Settlements. Basle. — 1998. — March.

133. Board of Governors of the Federal Reserve System, Report to the Congress on the Application of the Electronic Fund Transfer Act to Electronic Stored-Value Products. 1997 -March.

134. Committee on Payment and Settlement Systems (CPSS) and the Group of Experts of the Central Banks of the Group of Ten Countries, Security of Electronic Money // Bank of International Settlements. Basle. -1996. — August.

135. Congressional Budget Office (CBO), Emerging Digital Methods for Making Retail Payments // The Congress of the United States. Washington, D.C. — 1996.

136. European Central Bank, Report on electronic money Frankfurt am Main. — 1998. — August.

137. European Commission, Financial Services Commission agrees Recommendation on electronic payment instruments — 1997. — 9 July.

138. European Commission, Electronic money: Commission proposes clear regulatory framework. -1998.-29 July.

139. European Committee for Banking Standards (ECBS), Overview of European electronic purse projects. 1997. — March. — Technical Report Nr. 102, Version 2.

140. Federal Deposit Insurance Corporation, General Counsel’s Opinion N. 8, Stored Value Cards // Federal Register. 1996. — Vol. 61. — N.150. — August 2:40 489−40 494.

141. Group of Ten, Electronic money: consumer protection, law enforcement, supervisory and cross border issues // Report of the Working Party on Electronic Money. 1997. — April.

142. Office of the Comptroller of the Currency, Stored Value Card System, Opinion to the Chief Executive Officers of all National Banks // OCC Banking Bulletin. 1996. — Nr. 96−48.Информационные источники Интернет.

143. American Express, .

144. Cards Worldwide, .

145. CyberCash Inc., .

146. CyberPlat, .

147. DigiCash, .

148. Diners Club International, .

149. Discover, .

150. E-commerce Guide, .307. eMarketer, .

151. Forrester Research, .

152. Gold Korona, .

153. IDC, Version: 01/04/99.

154. Intuit, .

155. JCB Bank, .

156. Jupiter Communications, .

157. MasterCard International, .

158. Mondex International, .

159. Nua Internet Surveys, .

160. Proton World International, .

161. Saved Bank of Russia, .

162. Smart Card Cyber Show, .

163. Smart Card Forum, .

164. Survey on Internet money, Version: 01/05/99.

165. The Payment Card Information Network: CardWeb, .

166. Thestandard, .

167. Union Card, .

168. VISA International, .

169. WebPlus, .

Показать весь текст
Заполнить форму текущей работой