摘要：21世纪是信息世纪，网络和信息技术高速发展，促使了电子货币的扩张。电子货币凭借其独有的便捷性、易用性、快速性，迅速在金融领域占据一席之地。然而电子货币法律和监管体系却并没有跟上电子货币自身的发展速度，法律框架不完善，发行主体审核不到位，电子货币违法监测不力，对消费者权利保护不足等。电子货币本身过快的发展也成为央行调控和整个金融体系的不定因素影响。因此，分析电子货币对金融体系的影响和讨论电子货币的监管问题是一个具有意义的课题。本文结合当前我国电子货币发展的实际情况，讨论了电子货币对货币职能、金融机构、金融体系、货币政策的影响，并结合国际优秀的经验对我国当前对电子货币的监管问题做了讨论，从外部监管和发行机构内部控制等方面提出了可行的建议。

关键词：电子货币  货币供给  监管

Abstract: 21st century is the century of information. The rapid development of the network technology and information technology promote the expansion of e-money. The e-money occupied a place in the financial sector by its special quality: convenience, ease of use and rapidity. However, the legal and regulatory system of e-money didn’t keep up with the pace of development of e-money. The legal system, the check of the issuer, the monitor of the crime and the protection of the consumer should be improved. The rapid development of e-money affected the entire financial system and the macro-control of the central bank. Therefore, to analysis the effect of e-money in the financial system and to discuss the regulatory issues is a meaningful topic. In this paper, I talked about the effect of the e-money to the monetary functions, financial institutions, financial system and monetary policy, concerning the actual situation. I also talked about the regulatory issues of e-money from internal and external factories, learning the outstanding international experience.

Key words: e-money   monetary supplement   regulation