摘要
随着数字化或信息技术的进步 ,同时也产生了一个全新的“数字化”支付体系。该支付体系的核心就是电子货币。电子货币是指通过电子信息的交换来完成债务清偿的支付工具。它主要包括储蓄价值品种和电子访问品种两大类型。目前 ,在市场中流行的电子货币主要有 :信用卡、Mondex卡、维萨现金卡、电子现金等。电子货币不是新型的货币 ,更不是法偿货币 ,仅是代表着电子货币的持有者要求电子货币发行者兑换对等现金 (即法偿货币 )的一种请求权。
In pace with the vigorous development of digital or info rmation technology, digital payment system has been emerging. And the electronic money plays a key role in the payment system. The electronic money is a payment instrument for settlement obligations through exchanging electronic dates. Ther e are two mainly kind of electronic money: 'stored-value products' and 'acce ss products'. Credit cards, Mondex cards, Visa cash cards, Electronic cash, etc . are popular electronic moneys in the financial market at present. The author's opinion on electronic money is that the electronic money isn't a new kind of mo ney, particularly not the legal tender, it's just a claim which the holder ask t he issuer to exchange equal currency(legal tender) to him.
出处
《武汉大学学报（哲学社会科学版）》
北大核心
2001年第5期544-549,共6页
Wuhan University Journal：Philosophy & Social Science
