以本地分辨率表示的货币流动网络
Networks of monetary flow at native resolution
摘要：
个人和公司通过他们进行的每一笔金融交易转移资金。我们的目标是了解这种活动如何引起大规模的货币流动模式。在这项工作中，我们跟踪电子货币的移动通过移动货币系统使用提供商自己的交易记录的帐户。由此产生的交易序列-平衡轨迹-是表示观察到的货币流的数据对象。常见的顺序图案对应于移动货币的已知用例：数字支付，数字转账和货币存储。我们发现，每个活动创建一个独特的网络结构内的系统，我们发现协调游戏的移动货币提供商的委员会时间表。此外，我们发现，电子货币在系统中的任何地方都可以在几分钟到几个月内通过。这种明显的异质性，即使在相同的用例中，也可以为货币供应量的周转建模提供信息。我们的方法将交易层面的经济活动与大规模货币流动模式联系起来，拓宽了关于经济网络和时间结构的实证研究范围。
英文摘要：
People and companies move money with every financial transaction they make. We aim to understand how such activity gives rise to large-scale patterns of monetary flow. In this work, we trace the movement of e-money through the accounts of a mobile money system using the provider's own transaction records. The resulting transaction sequences---balance-respecting trajectories---are data objects that represent observed monetary flows. Common sequential motifs correspond to known use-cases of mobile money: digital payments, digital transfers, and money storage. We find that each activity creates a distinct network structure within the system, and we uncover coordinated gaming of the mobile money provider's commission schedule. Moreover, we find that e-money passes through the system in anywhere from minutes to months. This pronounced heterogeneity, even within the same use-case, can inform the modeling of turnover in money supply. Our methodology relates economic activity at the transaction level to large-scale patterns of monetary flow, broadening the scope of empirical study about the network and temporal structure of the economy.
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