互联网金融电子货币的本质与职能

On the Nature and Function of E- Currency in Internet Finance

互联网金融是借助互联网技术实现资金融通、信用中介和电子支付等业务的金融模式。其中,电子支付是通过电子货币完成的一种新型支付手段。在支付体系中电子货币与传统货币的基础一样,也是信用与债务偿付。从货币本质与职能的角度考察,电子货币只是货币的一种形态,其本原仍然是中央银行的名义负债。尽管传统货币能够做到的电子货币也无所不能了,但是电子货币并没有超越货币本质与职能的规定性。

Internet finance is a financial mode by which financial transactions such as financing, credit intermediary and E - payment are done via internet technology. E - payment is a whole new mode of payment settled by E - cur- rency. In payment system, E - currency and traditional currency are based on the same foundation being credit and debt repayment. From the perspective of curreney~ nature and its function, E - currency is only a new type of cur- rency which still stems from nominal liability of central bank. As long as E - currency seems more ＂capable＂ than traditional one, it has nothing different from traditional currency by its nature and function.