基于储值卡的货币风险及其监管

Currency risk and supervision of stored-card

随着电子支付的迅速发展,基于储值卡的支付也随之出现。本文从基于储值卡的货币成为通货的条件出发,将储值卡货币进行分类,然后分析了其风险以及对中央银行的影响,最后提出了监管对策。

With the rapid development of electronic payment, the payment has emerged based on the stored value card. Based on the condition that money stored in the stored-card has become the currency, the author classifies the stored-card currency, then analyzes the risks to the central bank, as well as the final regulatory measures.