摘要：随着科技的日新月异，虚拟货币也随之迅猛发展，它不仅是继贵金属货币和纸币之后的又一次革命而且在人类生活中扮演着毋庸置疑的重要角色，渐渐地进入人们的实体生活。本文结合虚拟货币的发展现状分析了虚拟货币与传统货币的本质区别，揭示了其本质属性。而虚拟货币的发展虽然可以增加社会财富带动经济增长，但在某种程度上却冲击了金融体系、货币政策等整个经济，造成了一系列的问题，如导致通货膨胀，引起一些不法行为等。其次着重对这些问题进行分析研究并提出意见和防范措施。

关键词：虚拟货币 虚拟货币的本质 货币政策 金融监管

Abstract: As the technology is developing rapidly, the development of the virtual currency is also promoting subsequently, it is not only another revolution after the precious metal currency and paper money but also plays an important role in human life and accesses to people’s physical life gradually. This paper is based on the current situation of the virtual currency to analyze different essential between the virtual currency and traditional currency, and also reveals its essential nature. Although the development of virtual currency could stimulate economic growth、increase social wealth, in some extent it will impact the whole economy of the financial market and monetary policy. And sometime it will cause a series of problems, such as inflation、a number of illegal actions. This article focuses on the analysis of these issues and provides advices and preventive measures. 

Keywords: Virtual Currency    Nature Of Virtual Currency    Monetary Policy  Financial Supervision