论电子货币及其对银行业的影响.docVIP

电子货币及其对银行业的影响 中文摘要 信息化时代日新月异，发展更新迅猛，随网上银行的发展，电子货币的出现更是提高了交易的速度，同时还降低了信息成本和交易费用。电子货币的应用越来越广泛，它的便利促进了网上交易活动。银行的业务，一方面，银行充当贷款人和借款人的中介。另一方面，银行为商品生产者和商人办理货币的收付、结算等业务，它充当支付中介。本题研究的意义是，研究面对电子货币的普遍使用，传统银行业应如何应对和确定发展方向。本篇论文首先就是针对电子货币的定义以及特点和意义进行了简要的分析，并且也分析了电子货币在国内的发展情况以及发展的现状，并在电子货币发展的模式中找寻电子货币在发展过程中存在的一定的风险以及在电子货币中有一些安全的问题所在。在环境的影响下必定对于电子货币有了一定的发展影响以及一些财务方面的影响，因此在这样的环境的分析中，有必要针对电子货币的发展环境以及发展问题提出一系列的意见和建议，使得电子货币的发展能处于一个有限的发展水平。 关键词：电子货币 银行企业 财务状况 实施意见 Abstract The information age development change rapidly, the rapid updating, with the development of Internet banking, electronic currency more is to improve the speed of transactions, but also reduce the cost of information and transaction cost. More and more extensive application of electronic money, its convenient to promote online transactions. The business of the bank, on the one hand, the bank acts as the intermediary lender and borrower. On the other hand, the bank for the currency of payment, clearing services for commodity producers and traders, it acts as a medium of payment. This research is of great significance to study the face, the widespread use of electronic money, the traditional banking industry should be how to deal with and determine the direction of development. This paper is aimed at the definition and features of electronic currency and significance briefly analyzed, and also analyzed the current situation of electronic currency in the domestic development situation and development, and in the development of electronic money model in search of certain electronic money risk existed in the process of development and in the electronic currency in their the security problem. Under the influence of the environment must be for the electronic currency has certain development as well as the influence of some financial aspects influence, therefore the analysis of such environment, it is necessary to put forward a series of opinions and suggestions for the development of environmental problems and development