论文标题
基于有效培养基近似引入无现金交易指数
Introducing Cashless Transaction Index based on the Effective Medium Approximation
论文作者
论文摘要
有效的培养基近似（EMA）方法通常用于估计包含两种材料的复合材料中的有效电导率发展：导体和绝缘子。有效的电导率是一个全局参数，可测量复合材料导致电流的容易程度。目前，社会上的金融交易是以现金或无现金进行的，在无现金交易中，资金的流量比现金交易快。因此，为了提供无现金分级的国家，我们引入了无现金交易指数（CTI），该指数（CTI）是使用EMA方法计算得出的，在该方法中，进行现金交易的个人类似于复合材料中的绝缘元素，而进行现金交易的个人类似于导体元素。我们将CTI定义为一个国家交易的有效电导率的对数。我们还介绍了无现金份额的时间依赖方程。在过去几年中，提出的模型的估计可以很好地解释数据。
The effective medium approximation (EMA) method is commonly used to estimate the effective conductivity development in composites containing two types of materials: conductors and insulators. The effective conductivity is a global parameter that measures how easily the composite conducts electric current. Currently, financial transactions in society take place in cash or cashless, and, in the cashless transactions the money flows faster than in the cash transactions. Therefore, to provide a cashless grading of countries, we introduce a cashless transaction index (CTI) which is calculated using the EMA method in which individuals who make cash transactions are analogous to the insulator element in the composite and individuals who make cash transactions are analogous to the conductor element. We define the CTI as the logarithmic of the effective conductivity of a country's transactions. We also introduce the time dependent equation for the cashless share. Estimates from the proposed model can explain well the data in the last few years.
