✔ 最佳答案
貨幣用來交易買賣、價值儲存和記帳單位的一種工具,是專門在物資與服務交換中充當等價物的特殊商品。既包括流通貨幣,尤其是合法的通貨,也包括各種儲蓄存款,在現代經濟領域,貨幣的領域只有很小的部分以實體通貨方式顯示,即實際應用的紙幣或硬幣,大部分交易都使用支票或電子貨幣。貨幣區是指流通並使用某一種單一的貨幣的國家或地區。不同的貨幣區之間在互相兌換貨幣時,需要引入匯率的概念。
Money is anything that is generally accepted as payment for goods and services and repayment of debts.The main functions of money are distinguished as: a medium of exchange, a unit of account, a store of value, and occasionally, a standard of deferred payment.
Money originated as commodity money, but nearly all contemporary money systems are based on fiat money.[3] Fiat money is without value as a physical commodity, and derives its value by being declared by a government to be legal tender; that is, it must be accepted as a form of payment within the boundaries of the country, for "all debts, public and private". By law, the refusal of an offer to pay in legal tender extinguishes the debt in the same way acceptance does.
The money supply of a country consists of currency (banknotes and coins) and demand deposits or 'bank money' (the balance held in checking accounts and savings accounts). These demand deposits usually account for a much larger part of the money supply than currency.Bank money is intangible and exists only in the form of various bank records. Despite being intangible, bank money still performs the basic functions of money, being generally accepted as a form of payment.