电子货币的确是社会发展的大势所趋但就其结算过程而言它仍存在许多有待探索和解决的问题。从技术上看每个商家都可以发行电子货币但如果电子货币不是曲中央银行而是由商业银行发行的话，就有一种潜在的危机。因为电子货币与纸币一样是发行者的债务。如果发行者不能承兑用... Electronic money is indeed the trend of social development but there are still many problems to be explored and solved in terms of its settlement process. Technically every merchant can issue electronic money but there is a potential crisis if the electronic money is not issued by the central bank but by commercial banks. Because electronic money is the publisher’s debt just like paper money. If the publisher can not accept ...