虚拟货币市场的特征与规范发展

The nature of virtual money market and a path for regulated development

随着信息与互联网技术的高速发展,虚拟货币交易以其便捷、高效和经济的特点在网络小额支付中被广泛采用,然而,其应用也带来了一定的风险。文章概括了虚拟货币的定义、功能与特点,分析了虚拟货币在发行、流通等环节存在的风险隐患,并从明确监管原则、建立虚拟货币发行主体信用评级机制等方面就进一步规范虚拟货币市场发展提出相关建议。

With the rapid development of information technology and the Internet, virtual money transactions, as characterized by convenience, efficiency and low-cost, are widely used in the online micro payment. However, such transactions bring about certain risks. This article gives an overview of the definition, functions and features of virtual money, and analyzes its potential risks in terms of issue and circulation. The article puts forward suggestions on how to further regulate the virtual money market by specifying the supervisory principles and establishing a credit rating system for the virtual money issuers.