关键词：电子货币 发展 风险 监管
Abstract：The application of the electronic money becomes more and more widely since 1990s in most of the countries or regions. Also, the electronic money has rapidly developed in China in the last decade. As a combination of the financial product and the information technology, the electronic money makes convenience to our lives and be widely accepted. However, the potential risks of this new combination has been gradually realized since its utility. This essay first introduces the definition and the features of the electronic money. Then analyze the outstanding risks and the potential problems of the electronic money on the base of the introduction. At last, the essay makes a survey of the development of the electronic money in China and the supervision and control of the electronic in Europe. And get the conduction of the possible development patterns of electronic money in China on the base of this survey.
Keywords: electronic money development risk supervise...