毕业设计（论文）《电子货币发展与中央银行面临的风险分析》.docVIP

金融学专业毕业论文 PAGE PAGE II 题 目： 电子货币发展与中央银行面临的风险分析 摘 要 电子货币是信息技术和网络经济发展的内在要求和必然结果。从实物货币、金属货币、纸币到电子货币是提高货币流通效率、降低货币流通费用，从而降低商品交易费用的货币制度安排的变迁过程。作为货币形态演变最新形式的电子货币逐步取代传统通货已经成为一种不可逆转的世界性发展趋势。 本文第一部分介绍了电子货币的发展、应用及其存在的风险，还介绍了中央银行的金融监管存在的问题并对此提出了建议。第二部分从中央银行货币发行权、独立权、铸币税收入、货币政策及传统监管机制等方面说明了电子货币的发展与中央银行面临的风险。第三部分从电子货币存在的风险及金融监管中的体制问题等角度分析了电子货币发展对中央银行带来风险的因素。最后针对存在的风险提出了一些建设性的意见。 关键词：电子货币，中央银行，风险分析 ABSTRACT Information technology and e-money is an inherent requirement of the development of network economy and the inevitable result. From the physical currency, metallic money, paper money to electronic money is to improve the efficiency of currency in circulation, reduce the cost of currency in circulation, thereby reducing the cost of the monetary system commodity trading arrangements change process. As a form of evolution of new forms of monetary currency to replace the traditional e-currency has become an irreversible global trend. This first part describes the development of electronic money, applications and risks, but also introduces the central banks financial regulatory problems and have made ??recommendations. The second part of the right currency from the central bank, independence, monetary policy and other aspects of the traditional description of the regulatory mechanism of the development of electronic money and central banks face the risk. The third part from the electronic currency risks and financial supervision system problems in terms of analysis of the development of electronic money to the central bank risk factors .Finally there is the risk for some constructive comments made??. KEY WORDS：E-money，Central bank，Risk analysis 目 录 摘要 …………………………………………………………………………Ⅰ Abstract ………………………………………………………………………Ⅱ TOC \o 1-3 \h \z \u 一、引言 1 二、文献回顾 1 （一）电子货币的发展及应用 1 1、电子货币的内涵 1 2、电子货币与传统货币的区别 1 3、电子货币相对于传统货币的优势 2 4、电子货币的发展 2 （二）电子货币风险 2 1、电子货币的信誉风险 3 2、电子货币的流动风险 3 3、电子货币的信用风险 3 （三）中央银行金融监管 3 1、金融监管中的体制问题 3