电子货币的产生是货币发展史上的第二次革命。但学术界对电子货币的争论颇多,对发展电子货币的利弊存在较大争议。本文就电子货币的定义和分类、电子货币职能、电子货币对中央银行的影响等相关问题作研究综述,为深入研究电子货币相关理论问题奠定基础。 The emergence of electronic money is the second revolution in the history of currency development. However, the academic circles have a lot of debates over electronic money and there is much controversy over the pros and cons of developing electronic money. This article reviews the related issues such as the definition and classification of electronic money, the role of electronic money and the impact of electronic money on the central bank, which lays the foundation for further research on the related theoretical issues of electronic money.