| The currency is the particular kind of commodity which is separated in the long-term developing process of the commodity exchange's, is a natural result of the commodity exchange development. Essentially said, the currency is acts as the universal equivalent fixedly the particular kind of commodity. Generally speaking, any kind can carry out the exchange medium, the measure of value, the standard of deferred payment or function and so on completely mobile wealth preserve method goods, may regard as is a currency.Along with the human society economy and science's and technology's development, the currency has experienced stages and the form and so on commodity money, metallic currency, paper money, electronic currency. The Internet currency is the electronic currency one kind, is in the currency developing process one kind of new performance shape.The Internet currency may divide into three kinds approximately: The first kind the game coin which is everybody is familiar with. Has established the gateway and the community since the Internet, realizes the game networking, the Internet currency then had"the money market", plays between the family to be possible to trade the game coin. Therefore many cities presented"the blood and sweat to make the coin factory", boss hired several"the laborer"day and night to hit the game, will gain the gold coin and the equipment on sold in"the black market". Even some Internet bar boss free lets the elementary student play the game, the condition is must the game coin which and the treasure projects on delivers.The second kind the special-purpose currency which is the open-door policy or the immediate communication facilities service provider distributes, uses in purchasing in this website the service. Uses widely, when is leaps the Tencent company's Q coin, may use for to purchase the membership, value-added services and so on QQ Show. Leaps the news Q coin to be possible through the bankcard sufficient value, with the Renminbi"the exchange rate"is 1:1, but the official channel only permits the uniflow, the Q coin cannot exchange the Renminbi.Third-order Internet currency, as if since birth on to attack and occupy the realistic currency the domain. American Shell Valuable Company (paypal) distributes one kind of Internet currency, may use in on-line shopping. The consumer hands in the application to the company, may currency - - - this be equal bank account in Qian Zhuan Cheng Beibao to the bankcard payment, but the service fee must lower a lot, moreover does not need to consider the exchange rate in the international transaction. At present is similar the shell valuable such company also to have e-gold, CyberCash, Ecash and so on, domestic not yet presents this kind of company, its currency has not popularized. Which kind of Internet currency regardless of being, its release not Central Bank's control. They are identical with the market monetary equivalent ticket essence, actually because of placed the virtual space to obtain the giant territory. Realistic and hypothesized, the boundary already becomes so fuzzy.The Internet currency is the currency one kind of new shape, belongs to the electronic currency one kind. The reason that such said that is because the Internet currency has had the currency base element. The Internet currency already had the currency function, is the web cams for the convenience transaction, but uses spontaneously universal equivalent, but it does not have the state credit safeguard, only circulates in on-line certain scope, is the low letter fluidity not high generalized currency.The Internet currency in the Internet value-added service, electronic commerce as well as under network game's lead, entered an unprecedented development stage - - to make the Internet value-added service, must solve the payment link first. The Internet value-added service many are 1 to 2 Yuan jot payments, for example on-line downloads a legal copy song in the patriot music to need 0.99 Yuan, some game card's time expense converted cash each hour only then 0.4 Yuan - - these jots to pay the Internet value-added service biggest bottleneck. The Internet currency appeared has solved this problem successfully.But in the Internet currency developing process also had some not allow to neglect problems.First is the Internet currency credit risks. Now the currency essence is the establishment in the credit foundation. The Internet currency's credit is the network company pledged that may use this Internet currency to purchase the consumer to think the equal hypothesized commodity or exchanges the material object even is take the paper money as the foundation. This enables the web cam legitimate rights and interests to obtain the effective safeguards with difficulty, has brought the very big risk to the user. Next Internet currency's large-scale disorderly development will also give national the monetary system to pose the threat, will attack the country the currency distribution right. Moreover the Internet currency group valve establishes a separatist regime, the unified exchange rate difficult to be also difficult, this gave Internet currency own development to create the fetter.At present the Internet currency has not integrated national the effective supervision scope, this gives the network economic crimes to bring the opportunity to be exploited. How did this article also elaborate has faced the Internet currency to swell the question which in the process appeared, the author, in carried on the thorough analysis to the Internet currency's essence and the attribute in the foundation to discuss has integrated the Internet currency the effective supervision the important meaning, proposed how to establish and the consummation Internet currency supervisory mechanism. The author believed that the Internet currency has the currency general attribute, from belongs to the electronic currency in the development phase. The Internet currency's currency attribute and the social function are to the Internet currency supervision rationale. To the Internet currency's supervision, its material meaning is to the network company and the network order supervision, its goal lies in prevents the network disorder the impact which brings to the realistic society.How regarding to establish and the consummation Internet currency management by supervision, the author put forward the following proposal: First, makes the standard network Internet currency related laws and regulations as soon as possible. Should establish individual hypothesized property legal status explicitly, the standard network transports peddler the system establishment standard and the safe defense measure, is clear about the related all quarters rights and obligations, is clear about the illegal activity the legal liability and so on. Second, is clear about the People's Bank and so on related department responsibility. The Internet currency takes one kind to distribute by the network operator, circulates the use in the network even practical life"the currency"the Control section mainly to involve the People's Bank, departments and so on industry and commerce administration department, communication management. Therefore, needs to be clear about related all quarters the work responsibility. The People's Bank takes the monetary issue and the Control section, should key to the Internet currency and the Renminbi exchange implementation strict supervision, must through forbid the Internet currency to resell, limit Internet currency use scope, measures and so on limit network monetary issue total quantity, guards against the Internet currency to the Renminbi the impact. The business management department deals with the network operator, on-line operator's account executive to implement the management, through issues"the net shop permit"the form to the present on-line management carries on the standardized management, must to the ultra scope management, the unfair competition and so on illegal management behavior implementation management by supervision. The communication management department wants the standard network carrier provider system disposition, the security measure and so on related standard, wants behaviors and so on standard telephone sufficient value, must consummate the network tracking system, carries on the track and the monitor to on-line transaction and so on. Third, the strict standard Internet currency's release, returns exchanges and uses. At present, the network Internet currency's release main body is various, returns to exchanges the mechanism arrangement flaw, the use scope is not standard, has the negative influence extremely easily to the realistic currency, urgently needs the standard.In the last part of the article, the writer has carried on the preliminary analysis to the Internet currency's prospects for development, thought that the Internet currency takes one to follow is not having the national boundary limit Internet to accelerate the newly emerging things which popularizes and the financial innovation appears, has met the time need to develop and consumer's demand, therefore the Internet currency has the broad development opportunities. |
PDF Full Text Request