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Monnaie électronique, monnaie fiduciaire et monnaie scripturale. Quelles substitutions ? Quelles stratégies ?

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  • Hervé Sitruk

Abstract

[eng] Electronic money, cash and non-cash money. What substitutions ? What strategies ? . Electronic money is a new form of money which is subject of special regulations at European and national levels, but the nature of which remains finally unclear or ambiguous, to the extent that this new kind of money is neither cash nor non-cash. Accordingly, this article tries to answers five questions : To what extent this new instrument is going to replace the other forms of money ? Is this substitution justified and what is its contribution ? What is its impact on European monetary policy ? What issues to deepen to favour its general implementation in a short term ? What is its place in the Single Euro Payment Area (SEPA) ? These issues are important to deepen to create positive dynamics and to sustain electronic money. . Classification JEL : E41, E59 [fre] La monnaie électronique est une nouvelle forme de monnaie qui a fait l’objet d’une réglementation particulière aux niveaux européen et national, mais dont la nature reste finalement floue ou ambiguë, dans la mesure où cette monnaie ne se réduit ni à la monnaie scripturale ni à la monnaie fiduciaire. Dès lors, cinq questions se posent auxquelles l’article tente de répondre : dans quelle mesure ce nouvel instrument va-t-il se substituer aux autres formes de monnaie ? Cette substitution est-elle justifiée et quel est son apport ? Quel est son impact sur la politique monétaire européenne ? Quelles questions approfondir pour favoriser à terme sa généralisation ? Quelle peut être sa place dans l’espace unique européen des paiements, le SEPA ? Ces questions en soulèvent d’autres qu’il est important d’approfondir pour assurer la pérennité et une dynamique positive autour de la monnaie électronique. . Classification JEL : E41, E59

Suggested Citation

  • Hervé Sitruk, 2008. "Monnaie électronique, monnaie fiduciaire et monnaie scripturale. Quelles substitutions ? Quelles stratégies ?," Revue d'Économie Financière, Programme National Persée, vol. 91(1), pages 37-51.
    • Handle: RePEc:prs:recofi:ecofi_0987-3368_2008_num_91_1_5056
    DOI: 10.3406/ecofi.2008.5056
    Note: DOI:10.3406/ecofi.2008.5056
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    More about this item

    JEL classification:

    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • E59 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Other
    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • E59 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Other

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