【作者】 陈颖；

【导师】 张光宇； 邓永；

【作者基本信息】 广东工业大学 ， 项目管理， 2007， 硕士

【摘要】 在经济发展全球化的时代，随着电子商务的发展而迅速发展起来，以计算机技术为核心的信息技术的发展，引起了人们生产和生活方式的巨大变革，也进一步推动了货币形态的发展。电子货币作为新形态的货币对当今各国政府的宏观经济政策中货币政策的实施产生起到深远的影响，在一定程度上对中央银行的发行职能和货币政策实施有效性带来了阻碍。随着电子货币的不断发展，各国中央银行对电子货币从没有管制到逐步监管。作为发展中国家的中国，我们没有理由对电子货币发行实行中央银行集中垄断，否则将进一步加大与发达国家在电子金融方面的距离，但同时又要以防范金融风险为基本前提，从源头上杜绝缺乏信用能力机构电子货币发行中的欺诈活动，避免电子货币危机的多米诺骨牌现象。因此，在鼓励金融机构金融创新的前提下加强电子货币的金融监管，有重点、有目的加强电子货币监督管理，尤其对在快速发展中的金融机构和非金融机构发行的电子货币更需要睁大眼睛，要求电子货币发行机构制定详细周密的电子货币发行、管理和结算制度，并实行向中央银行的定期汇报，有利于及时发现异常苗头和从宏观金融角度统筹引导。本文通过从电子货币的概念和经济学中相关的货币理论入手，分析货币发展和中央银行货币政策理论的缺陷，由电子货币的支付和流通功能着手，研究和分析电子货币发展的法律定位和中央银行对电子货币的监管措施和中央银行货币政策有效实施的途径，通过理论分析和实证分析相结合的方法论证电子货币在支付和流通环境中货币理论分析进一步分析中央银行货币政策实施的有效性，最后通过借鉴国外的经验如欧盟的电子货币指令和巴塞尔委员会对商业银行的风险管理的监管分析从三个方面提出电子货币发展下我国中央银行的货币对策，1、对电子货币发行机构的电子货币发行和风险管理制定相应的法律。2参照巴塞尔协议，建立电子货币发行机构的资本充足率、流动性、风险管理和内部控制以及信息披露等方面的监管制度以加强对电子货币发行的经营与调控。3、加强与各国中央银行合作，应对国际资金流动风险。中央银行需要积极与国际组织合作，建立国家之间合作，以加快国家的金融发展、金融深化和经济快速增长。更多还原

【Abstract】 In the economical development globalization time, but rapidly develop so long with the electronic commerce development, take the computer technology as the core information technology development, caused the people to produce with the life style huge transformation, also further impelled the currency shape development. The electronic currency took new shape the currency the monetary policy implementation has the profound influence to now the various countries’ government’s macroeconomic policy in, has brought the hindrance in the certain degree to Central Bank’s release function and the monetary policy implementation validity.Along with the electronic currency unceasing development, the various countries Central Bank from has not controlled to the electronic currency to gradually supervises and manages. As developing nation China, we do not have the reason to concentrate the monopoly to the electronic currency release implementation Central Bank, otherwise further will enlarge with the developed country in the electronic finance aspect distance, but simultaneously will have take to guard against the financial risk as the basic premise, will cease in the deficient credit ability organization electron currency release from the source cheat, will avoid the electronic currency crisis the dominoes phenomenon. Therefore, strengthens the electronic currency in under the encouragement financial organ finance innovation premise financial supervising and managing, has key, has the goal to strengthen the electronic currency surveillance management, especially to needs to open the eyes the big eye in fast development financial organ and the non- financial organ release electronic currency, the request electron currency issuing agency formulation detailed thorough electron currency release, the management and the settlement system, and the implementation to Central Bank’s regular report, is advantageous to the prompt discovery unusual symptom of a trend and from the macroscopic financial angle overall plan guidance.This article through the currency theory which is connected from in the electronic currency concept and the economic obtains, analysis currency development and the Central Bank monetary policy theory flaw, begins by the electronic currency payment and the circulation function, research and the analysis electron currency development legal localization and the Central Bank to electronic currency supervising and managing measure and the Central Bank monetary policy effective implementation way, the method proof electron currency which unifies through the theoretical analysis and the real diagnosis analysis the currency theoretical analysis further analyzes the Central Bank monetary policy implementation in the payment and the circulation environment the validity, Finally proposes under the electronic currency development through the model overseas experience like European Union’s electronic currency instruction and the Barthel committee to commercial bank’s risk management supervising and managing analysis from three aspects our country Central Bank’s currency countermeasure, 1, to electronic currency issuing agency electronic currency release and risk management formulation corresponding law. 2 refers to the Barthel agreement, establishes the electronic currency issuing agency the capital to be sufficient rate, the fluidity, the risk management and the internal control as well as the information disclosed and so on the aspect supervising and managing system strengthens to the electronic currency release management and the regulation. 3rd,strengthens with the various countries Central Bank cooperation, should to the international fund mobile risk. The Central Bank needs positive and the international organization cooperation, founds between the country to cooperate, speeds up national the financial development, the financial deepening and the economical fast growth.更多还原