摘要何为电子货币？简言之，电子货币就是从发行机构兑换的与一定数量金额的现金或存款相同的数据，然后通过电子技术将该数据直接到达支付对象，从而完成债务清偿的动作。在中国，电子货币的发展目前仍处于探索进步阶段，作为一个新兴事物，其与传统货币系统一样，也在运行和操作的过程中存在各种各样的风险。众所周知，新事物的出现必然会带来新风险出现，对此我们需要对电子货币进行必要的探索和研究。鉴于电子商务的健康发展离不开电子货币的支持和应用，因此高度重视其蕴含的风险并进行控制和防范是一项必要任务，这对电子货币的健康发展有着极其重要的意义。本文通过对中国现阶段电子货币发展现状进行分析研究，探讨电子货币发展过程中存在的法律、信用、支付以及洗钱活动的风险，使用文献检索和调查以及实际案例分析的方法，对不同的风险给予针对性的建议，包括完善相关法律法规、建立完整的支付系统、树立权威信用中心和加强反洗钱活动的防范，使得电子货币的使用安全有效，为电子货币的健康发展提供有价值的反馈。【关键词】：电子货币；风险；法律；信用abstractWhat is electronic money? In short, e-money is the same data as a certain amount of cash or deposit exchanged from the issuing institution, and then the data is directly sent to the payment object through electronic technology, so as to complete the action of debt repayment.In China, the development of e-money is still in the stage of exploration and progress. As a new thing, like the traditional monetary system, it also has various risks in the process of operation and operation. As we all know, the emergence of new things will inevitably bring new risks. We need to explore and study electronic money. In view of the healthy development of e-commerce can not be separated from the support and application of e-money, so it is a necessary task to attach great importance to the risks and control and prevent them, which is of great significance to the healthy development of e-money.Based on the analysis of the current situation...
