【摘要】：電子貨幣是信息技術(shù)改革與網(wǎng)絡(luò)經(jīng)濟(jì)發(fā)展的產(chǎn)物,其是繼金屬貨幣、紙張貨幣后出現(xiàn)的主要應(yīng)用于小額支付領(lǐng)域的新型支付工具。電子貨幣具有便捷性、節(jié)約交易成本、提高交易效率等紙幣所不具有的特性。我國(guó)的電子貨幣處在發(fā)展階段,規(guī)則的制定必須靈活,不能太過(guò)于嚴(yán)格,規(guī)定過(guò)嚴(yán)會(huì)阻礙創(chuàng)新,抑制電子貨幣的發(fā)展。而如果規(guī)則的制定過(guò)于松散,可能會(huì)因存在的法律漏洞,導(dǎo)致電子貨幣市場(chǎng)混亂。目前,我國(guó)并沒(méi)有一部完整的電子貨幣法來(lái)對(duì)電子貨幣市場(chǎng)進(jìn)行規(guī)制,雖然有一些規(guī)范性法律文件來(lái)規(guī)范電子貨幣市場(chǎng),但仍存在一些法律漏洞。本文首先通過(guò)對(duì)電子貨幣進(jìn)行概述,以此來(lái)了解電子貨幣的內(nèi)涵與法律特性,通過(guò)對(duì)其發(fā)展現(xiàn)狀進(jìn)行闡述,以及對(duì)電子貨幣的未來(lái)發(fā)展趨勢(shì)進(jìn)行描述,然后以我國(guó)電子貨幣立法現(xiàn)狀為切入點(diǎn),探尋由于立法缺失所帶來(lái)的一系列問(wèn)題,如：混淆電子貨幣、電子支票、購(gòu)物卡、Q幣的概念；消費(fèi)者對(duì)電子貨幣缺乏信心；電子貨幣市場(chǎng)將成為洗錢(qián)活動(dòng)的溫床。作者旨在從立法者的角度去分析問(wèn)題,為我國(guó)電子貨幣立法提出實(shí)質(zhì)建議。在文章最后,作者得出結(jié)論：我國(guó)應(yīng)當(dāng)制定一部專(zhuān)門(mén)的電子貨幣法。
[Abstract]:Electronic money is the product of information technology reform and the development of network economy. It is a new payment tool which is mainly used in the field of small payment after metal currency and paper currency. Electronic money has advantages of convenience, saving transaction cost and improving transaction efficiency. The electronic money of our country is in the development stage, the rule formulation must be flexible, must not be too strict, the stipulation too strict will hinder the innovation, suppresses the electronic money development. If the rules are too loose, they could lead to electronic money market chaos due to legal loopholes. At present, our country does not have a complete electronic money law to regulate the electronic money market. Although there are some normative legal documents to regulate the electronic money market, there are still some legal loopholes. This paper first summarizes the electronic money to understand the connotation and legal characteristics of electronic money, through the development of its current situation, as well as to describe the future trend of electronic money. Then taking the current situation of our country's electronic money legislation as the starting point, this paper explores a series of problems brought about by the lack of legislation, such as confusing the concepts of electronic currency, electronic cheque, shopping card and Q coin; Consumers lack confidence in e-money; the e-money market will become a hotbed of money laundering. The author aims to analyze the problem from the angle of legislator, and put forward substantive suggestions for the legislation of electronic money in our country. At the end of the article, the author concludes that China should formulate a special electronic money law.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：D922.285

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相關(guān)期刊論文 前1條

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本文編號(hào)：2351477