Are checks overused
Are checks overused
复制标题
支票是否被过度使用
DOI：
10.21034/qr.2041
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发表时间：
1996
期刊：
影响因子：
--
通讯作者：
Kirstin E. Wells
中科院分区：
文献类型：
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作者：
Kirstin E. Wells
这项研究推翻了大卫汉弗莱和艾伦伯杰1990年的一项研究的结论，该研究发现，尽管与电子支付工具相比，支票的资源成本很高，但支票浮动是支票流行的原因。这项新研究调查了支票和自动票据交换所（ACH）支付成本的最新数据。它发现，自1990年的研究以来，支票浮动的价值已显着下降，不再大到足以使支票比ACH支付更具吸引力。该研究还质疑，鉴于对经济主体行为的标准假设，浮动可能是持续使用支票的原因的想法是否合理。该研究最后推测了为什么支票比成本较低的替代品更受欢迎，并鼓励政策制定者等待研究人员充分回答这个问题，然后再干预支付工具市场。
This study overturns the conclusion of a 1990 study by David Humphrey and Allen Berger, which found that check float is responsible for the popularity of checks despite their high resource cost compared to electronic payment instruments. The new study examines recent data on the costs of checks and automated clearinghouse (ACH) payments. It finds that the value of check float has decreased significantly since the 1990 study and is no longer large enough to make checks more attractive than ACH payments. The study also questions whether the idea that float could be responsible for the persistent use of checks is reasonable given standard assumptions about the behavior of economic agents. The study ends by speculating on why checks are used more than less-costly alternatives and by encouraging policymakers to wait for researchers to adequately answer that question before intervening in the market for payment instruments.