论电子货币的风险防范

On the Legal Risks Prevention of Electronic Currency

电子货币作为一种新型的金融货币形式,融合了现代先进的信息技术、金融技术和计算机技术,在一定程度上简化了交易行为和支付行为,使货币流通形式更为灵活、便捷、安全,为经济发展带来了新的活力。同时,电子货币作为一种流通于市场并具有一定影响的货币形式,从法律层面来说,存在着因宏观调控政策上监管缺失而导致的风险因素,在其应用和发展越来越大众化的电子时代,对市场秩序和运行机制以及法制建设都形成了一定的风险干扰。因此,分析电子货币的法律内涵、风险的法律特征、法律风险的成因,深入解读电商时代电子货币的风险组成和风险防范,以实现法律健全的电子货币发行、流通、监管机制,具有重要的现实意义。

Electronic currency, as a new type of financial currency, combines modern advanced information technology, financial skills and computer science, which enables it to make transaction and trade more convenient. That will also make the currency circulation more flexible, more efficient and safer and bring vigor to economic growth. In the meantime, electronic currency, as a kind of circulation forms in the market, holds some risks resulting from the lack of macro-supervision and related policies from the legislation perspective. This paper attempts to analyze the legal connotations of electronic currency, the legal features of those risks as well as the causes of these risks so that we could have a better understanding of the risks and prevention in electronic commerce era and promote the building of a more mature legislation system.