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elsa peretti jewelry wholesale With the improvement of social productivity, the demand and quantity of social commodity exchange are growing, and the shape of the currency has also developed from shells, precious metals, ordinary metals to banknotes and bills to today's electronic currencies. Electronic currencies are circulating in the credit market with electronic technology and communication means, and credit currencies that reflect the value of commodity in legal currency units. The most common electronic currency is savings and credit card issued by various banks.
The function of electronic currency mainly has the following four aspects: first, settlement function, replace cash, directly used for consumption; second, savings function, can be deposited and withdrawn; Consumption loan function.
The has many advantages: one is to carry lightweight, especially to buy high -priced goods; second, it is convenient to count, no need to count, no need to find change, and to avoid errors; third, the safety is very good. It is difficult to fake and theft is small, with password protection, which can be reported immediately if it is lost; fourth is fast circulation because it depends on the computer network circulation. ; Fifth, it is convenient for supervision and statistics, because each transaction processing after computer processing is recorded. Even after the transaction, it can be traced. Afterwards, these data can be used for macro analysis.
However, it is necessary to fully realize that the payment of electronic money needs a large amount of equipment investment, and the account system and financial system that serves all units and individuals in the society. To run such a system smoothly, not only requires further improvement of various regulations and rules and regulations, but also improve quality, both financial institutions and customers. Therefore, the construction of monetary electronicization will be a long and arduous task.
The definition of electronic currency
At present, the definition of electronic currencies is not conclusive. Moreover, the test projects related to electronic currencies promoted by countries around the world are also different. Based on the financial electronic network, take commercial electronic machinery and various trading cards as the medium, and use electronic computer technology and communication technology as a means. The network system realizes the currency of circulation and payment functions in the form of electronic information transmission.
Definition 2: Use a certain amount of cash or deposits to exchange data from the issuer and obtain the same amount of the same amount. The data is directly transferred to the payment object, so that the debt can be settled. The data itself can be called electronic currency.
Definition 3: Electronic currency is to pay traditional currencies to the issuer of electronic currencies, and the issuer takes these these The equal value of traditional currency is stored in the form of electronics, magneticism and other forms in the electronic equipment held by consumers. According to the definition of international clearing banks, it refers to the electronic equipment stored in the electronic form. The value of the currency.