电子货币的风险及其防范（Risk and prevention of electronic currency）.docVIP

电子货币的风险及其防范（Risk and prevention of electronic currency） Risk and prevention of electronic currency C With the rapid development of global digital information and electronic finance, a new form of money - neither of banknotes and coins in 1980s, quietly, slowly but firmly to expand its influence, it also has a growing interest. This currency is the electronic currency known as the revolutionary future payment by the media. With the rapid development of network technology and the rapid development of the two e-commerce, the electronic money is shaking the dominant position of the traditional means of payment. First, the types of electronic currency in China (I) non monetary institutions such as electronic currency; Companies such as telecommunications, buses and manufacturers are the common issuers of such electronic currency. IC cards are the most common form of these electronic currencies. The main features of non-financial institutions, electronic money is asking customers to pre stored value, namely the issuer pre charge customers cash, electronic currency equivalent, the deductible amount from the customer in the settlement of the issue and then. Because the issuer cash advance customer, objectively the electronic currency has become a offbeat account free outside the bank, to the bank, especially the formation of shunt current savings. (two) financial institutions such as electronic currency; The electronic currency of financial institutions is the most standardized electronic currency in our country. Commercial banks and credit card companies are their major issuers. Such electronic money products include debit cards and electronic checks with debit credit functions and general deposit withdrawals. The biggest characteristic of the electronic currency of financial institutions is the participation of financial institutions such as banks, and the issuance and use of electronic money into their own regulatory system, which embodies the normative aspect of such el