تأثیر ابزار پرداخت الکترونیک بر بخش حقیقی اقتصاد ایران: رویکرد تعادل عمومی پویای تصادفی

نوع مقاله : مقاله پژوهشی

نویسندگان

1 دانشجوی دکتری اقتصاد دانشکده اقتصاد و علوم سیاسی دانشگاه شهید بهشتی، تهران، ایران

2 استاد گروه اقتصاد دانشکده اقتصاد و علوم سیاسی دانشگاه شهید بهشتی، تهران، ایران

3 استادیار گروه اقتصاد دانشکده اقتصاد و علوم سیاسی دانشگاه شهید بهشتی، تهران، ایران

10.29252/jem.2023.229419.1795

چکیده

با توجه به اهمیت ابزارهای پرداخت الکترونیک در مبادلات مالی و توسعه روزافزون این ابزارها، این مطالعه بر آن است تا آثار ابزارهای پرداخت الکترونیک را با استفاده از الگوی تعادل عمومی پویای تصادفی کینزین‌های جدید، از کانال مصرف خانوار، تقاضای دارایی‌های پولی خانوار و سپرده بانکی بر بخش حقیقی اقتصاد ایران بررسی نماید. تاکنون بررسی تأثیر این ابزارها بر بخش حقیقی اقتصاد ایران با استفاده از الگو‌های بر پایه خرد صورت نگرفته است. ارکان اساسی الگوی استاندارد در نظر گرفته شده عبارت است از خانوارها، بنگاه‌ها (اعم از بنگاه کالای نهایی و بنگاه کالای واسطه‌ای)، بانک تجاری، دولت و بانک مرکزی. مقادیر ورودی و پارامترهای الگو با استفاده از روش کالیبراسیون طی دوره 1399-1366 تعیین گردید. نتایج حاصل از بروز شوک ابزار پرداخت الکترونیکی بر متغیرهای تولید، اشتغال، تورم، نرخ رشد حجم پول و سرمایه‌گذاری حاکی از آن است که با بروز شوک، تولید، اشتغال و سرمایه‌گذاری افزایش یافته و تورم و نرخ رشد حجم پول کاهش می‌یابد. تأثیر ابزارهای پرداخت الکترونیک در بخش حقیقی اقتصاد ایران نشان می‌دهد که این ابزارها می‌توانند نقشی فراتر از انتقال امن پولی را ایفا کرده و لزوم سیاستگذاری، رشد و توسعه زیرساخت‌ها، بکارگیری تکنولوژی‌های جدید و نیز قانون‌گذاری در این بخش بیش از پیش نمایان می‌گردد.

کلیدواژه‌ها

موضوعات

عنوان مقاله [English]

The Impact of Electronic Payment Instrument on Real Sector of Iran's Economy: A DSGE Approach

نویسندگان [English]

  • Tahereh Malekshahi 1
  • Parviz Davoodi 2
  • Hossein Samsami 3
1 Ph.D. Candidate in Economics, Faculty of Economics and Political Science, Shahid Beheshti University, Tehran, Iran
2 Professor of Economics, Faculty of Economics and Political Science, Shahid Beheshti University, Tehran, Iran
3 Assistant Professor of Economics, Faculty of Economics and Political Science, Shahid Beheshti University, Tehran, Iran
چکیده [English]

Considering the importance of electronic payment tools in financial transactions and the increasing development of these tools, this study aims to examine the effects of electronic payment tools using the new Keynesian DSGE model, from the household consumption channel, the demand for monetary assets of households and bank deposit to the real sector of Iran's economy. So far, the impact of these tools on the real sector of Iran's economy has not been investigated using Micro-based models. The basic elements of the considered model are households, companies (both final and intermediate goods companies), commercial banks, government and central bank. The parameters of the model were determined using the calibration method of the period of 2016-2018. The results of the shock of electronic payment tools on the variables of production, employment, inflation, growth rate of money and investment were investigated, and the results indicate that with the shock of electronic payment tools, production, employment and investment increased and inflation and the growth rate of the money decreases. The impact of electronic payment tools in the real sector of Iran's economy show that these tools can play a role beyond the safe transfer of money and policymaking, infrastructure growth and development use of new technologies and legislation in This section appears is necessary more and more.

کلیدواژه‌ها [English]

  • Dynamic Stochastic General Equilibrium
  • Electronic Payment Instruments
  • Real Sector of the Economy
  • Electronic Banking

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