摘要： 随着科技的发展，电子货币已经广泛被应用，伴随着电子货币业务的广泛应用必然会引起对其的研究和规范，电子货币具有与传统货币不同的特点，因此会带来特有的风险。文章一、主要讲述了什么是电子货币，电子货币的类型，第二、我国电子货币的发展状况，第三、主要讲述了电子货币风险问题的主要形式，第四、主要讲述了对电子货币风险问题的形式针对性的解决方法，第五、主要对以上的内容作了进一步的总结，并针对当前我国电子货币的发展现状对电子货币以后的发展做了总结。

关键词：电子货币 电子货币风险  风险防范

Abstract: With the development of science and technology, electronic money has been widely applied, with the extensive application of the business of electronic money will inevitably lead to its research and specification, electronic money has the characteristics of different from the traditional monetary ,therefore, it will bring a special risk. First part of the article, focuses on what is the electronic money, electronic money type. Second part of article, development of electronic money in China. Third , focuses on the main form of electronic currency risk.Fourth, focuses on risks in the form of electronic money targeting solutions.Fifth, summary of the content was further to the above, and current situation of China's development of electronic money on future development of electronic money do the summary.

Keywords: electronic money; electronic currency risk; risk prevention

　　在网络技术进步和电子商务快速发展的两驾马车共同推动下，电子货币挟持巨大的优势，合着时代的节拍，正在动摇传统支付手段的支配性地位，即将开创人类社会一个全新的货币时代。但在乐观的同时，也应正视电子货币带来的风险，金融监管当局对此要有足够地警觉，并要采取积极的预防措施，使我国既能充分享受电子货币带来的好处，把握住发展的机遇，适应金融变革的趋势；又能防范电子货币带来的潜在风险对我国金融体系、经济生活的负面冲击。