电子货币的界定及其应用中亟待解决的法律问题

Definition of E-currency and Critical Legal Problems Demanding Prompt Solution During Its Application

电子货币是一种依据当事人间的约定而使用的、以电子数据为存在形式、以法定货币单位为计算单位并能够兑换成法定货币的电子支付结算工具。账户依存型电子货币与现金型电子货币是电子货币的基本种类。在电子货币的应用过程中,如何确立电子货币的法律地位,如何规范电子货币的发行主体,如何保护电子货币使用者的隐私权,如何有效预防和制裁洗钱犯罪等问题是当前各国面临的重要课题。

E-currency is a kind of new payment tool which is used according to the agreement between the parties, it has two basic types, e-currency depending on accounts and e-cash. During the application of e-currency, problems such as how to establish its legal position, how to regulate its issuers, how to protect its users'rights of privacy, and how to effectively prevent and punish the crime of laundering have become critical subjects needed to be solved by every country.