[讨论]信用卡是金錢嗎?

my english is poor,so i express with chinese

个人认为，信用卡是和货币一样，都是一种支付方式。不是金钱。

在经济成熟市场，以个人诚信为基础所实行的一种代币支付，没有相应的市场及技术支持，信用卡就毫无用处。

说穿了只有黄金才是金钱，是硬通货。要不为啥各国都囤积黄金，没见哪个国家囤积信用卡来着。（这个对个人也一样）

在交换的过程中有时信用卡与纸币所扮演的角色是一样的，都是商品交换的媒介。如果说纸币可以看成是货币的一种形式，那么信用卡为什么不可以呢？

以下是引用niuniu789在2008-2-14 13:00:00的发言：在交换的过程中有时信用卡与纸币所扮演的角色是一样的，都是商品交换的媒介。如果说纸币可以看成是货币的一种形式，那么信用卡为什么不可以呢？

（流通中的）纸币是以国家信用发行的基础货币。

信用卡透支是商业银行扩张商业信用的功能，是创造货币的方式。本质上就是商业银行通过贷款行为增加货币供给。

“信用卡”算不算“货币”，实际上完全取决于对信用卡及货币的定义。

（把“信用卡”理解成一种符号，还是一种功能，还是就是一张塑料片而已。不过，有一点可以强调：与“借记卡”(debit card)不同，信用卡(credit card)实际上是一种“贷记卡”。借记卡不能透支，没有商业信用扩张功能，也就不能创造货币。但借记卡又算不算“货币”呢？说它算与不算，又是如何理解“借记卡”这三个字呢？）

The 23th floor's explanation is wonderful.

Let me add a simple comment here:

According to money's "定义", the following three charasteristics must be met (altogether) in order to be a money
(1) Unit of account

(2) Medium of exchange

(3) Store of value

Without the definition, the debate will go on forever (chicken first or egg first?)

contradiction

I got that, thanks.

----- There are two kinds of cards, debit card & credit cards.

In your picture, I saw, debit card is a part of money supply, but credit cards isn't.

Nice explanation!!! Really lovin...

Sorry for the rough enquiry. You don't care, do you?

However, I wanna add something ...

Since I have already discussed with my teacher...(befor your thread),So,this sentence in blue is OK. It is debatable whether it will be regarded as a form of money, Currently, economically, it is not a form of money, because credit card can not be used so wide as money itself. Don't doubt that!

However, I made a fatal mistake, yeah, I know now. That sentense in blue is more likely to discuss the character of debit card. Have you seen the first and second line on your picture? That is the author's premise.

Yeah, maybe, in US society, debit card is more popular than money itself, but it is not the majority of the world... For example, if we go to the farm market, we will switch to use money rather than debit card... So, relative to that sentense in blue, you will certainly know what I wanna  point out the key..

[此贴子已经被作者于2008-2-17 15:18:10编辑过]

Easy to confuse with this sentense on your picture: neither debit cards nor credit cards will affect measures of money supply, whilst money supply is the value of financial assets.(asset: a loan that can be used to generate income) ---- ‘dingdindangdang’ needs help.

p.s: To cityustd,( personal suggestion) sungmoo's answer is also good, and these can be regarded as reference as well.

[此贴子已经被作者于2008-2-17 15:39:01编辑过]

以下是引用cityustd在2008-2-17 14:46:00的发言：contradiction

In my opinion, credit card balance is not measured as money supply just because of the money supply measurement(statistical) method.

Credit card can create money by loans, however, the newly created moneny is measured as the balance of sellers' deposit, rather than the credit card balance (avoiding repetitive measurement).

In other words, that credit card (balance) is not money doesn't mean that credit card (system) never creates money.

以下是引用叮叮当当在2008-2-17 15:06:00的发言：In your picture, I saw, debit card is a part of money supply, but credit cards isn't.

The debit card (balance) is measured as money supply, however, the debit card  (system) doesn't create money.