ON SOME MAJOR PROBLEMS IN ELECTRONIC MONEY
As a financial innovation, E-money (i. e. electronic money) can realize an immediate withdrawal and payment for long distance and non-local places based on the agency of computers & IT,which emerged from the beginning of E-commerce development, but now surpasses E-commerce, grows up and develops fast along with the social requires continuing expansion, has been a symbol form and trade tool of modem capital and money in transaction and finance, and gradually replaces the traditional commercial currency means based on its unique features. The key and bottle-neck to the development of E-money is that government and finance organizations need system innovation and management innovation, including E-money use-cost system, eliminating customers psychology of canceling consumption due to saving extra/irrational charge and strengthening fastness of money system, so as to reduce learning cost and reform cost. At the same time, the government should fully consider how to choose an opportune moment to get involved in the E-money and its effects to global economic development, set up layer supervision system;relative organs should share the key security information, ensure system reform and credit system establishment so that the E-money can give full play to its historic function.
E-money System innovation Central bank. Monetary policy Risk management
Zhou Qihai Ding Lu
School of Economic Information Engineering of Southwestern University of Finance and Economics,Chengdu 610074,China
国际会议
The Second China and U.S. Advanced Workshop in Electronic Commerce 2004
成都
英文
530-535
2004-06-20（万方平台首次上网日期，不代表论文的发表时间）