Money Demand
Financial innovation

Many argue that `financial innovation' destabilized money demand in the 1980s, which undermined policies based on targeting monetary aggregates and thus led governments to adopt alternative targets, such as money GDP or the exchange rate. The instability of the broader aggregates as found in the UK in the 1980s need not apply, however, to all measures of the money supply. In Discussion Paper No. 735, Research Fellow Michael Artis, Robin Bladen-Hovell and Dilip Nachane argue that the traditional, direct approach of identifying a money demand function and using conventional tests to look for structural breaks runs into measurement errors and cannot disentangle the effects of supply and demand. They focus instead on the `velocity' of money (the ratio of nominal income to money) as the sole measure of its demand and test for instability using a method drawn from spectral analysis. By decomposing time-series into an `evolutionary spectrum' of cyclical, `long-run' and noisy, `short-run' components, this method looks for structural breaks by testing for shifts in the weights of these components over time. It also avoids the very strong assumptions entailed by common methods of identifying structural breaks, in particular those concerning the underlying distribution of the series.

The authors use this method to investigate the common view that changes in financial market structure in the 1980s had greater destabilizing effects in the UK and US than in Continental Europe, by measuring the stability of money demand in France, Germany, Italy the Netherlands, the UK and US. They use a narrow measure of the money supply (M1) for all six countries (and also data on broader monetary aggregates for the UK and US) and the product of industrial production and producer prices as a proxy for monthly nominal GDP during 1960-90, since their chosen method requires large samples of high-frequency data. They find structural breaks of long-term significance only for broad money in the US and narrow money in the UK in the 1980s, which is consistent with the common view that financial innovation in Continental Europe was less sweeping in character and had less impact on overall monetary stability.

Instability of the Velocity of Money: A New Approach Based on the Evolutionary Spectrum
Michael J Artis, Robin Bladen-Hovell and Dilip M Nachane

Discussion Paper No. 735, November 1992 (IM)