电子货币的法律性质初探

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.

Electronic Money: Legal Nature

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.