Electronic Currency Risk Prevention

Along with the financial system reform of our country and financial market competition, commercial bank accelerates electronic pace. Electronic check, banking card and electronic cash have become the important components of life. The electronic business, network banking will enlarge electronic money scope more, but keeping away from electronic money risk become more and more important, more and more urgent. Electronic money depends on financial electronic network, commercial electronic instruments, and cards are the media. Computer technology and communication technology are the bases. Electronic money is stored as electronic data (the data of binary system) in banking computer system. Electronic money depends on electronic information to carry out circulation and payment function. Electronic money risk means the possibility that electronic money gets lost because of various factors. The expression of electronic money risk shows mainly in the electronic bank and electronic business, such as operating risk, technical risk, system or legal risk, managing risk, etc.. Electronic money risk is a very huge program. Its content is very rich, but this paper doesn't extend the scope of research to every field of electronic money risk. It just studies in the fields related with electronic money risk, and particularly emphasizes computer system security. It analyses the reason that forms electronic money risk, emphatically from the aspect such as technology, management and system to avoid risk. The major content of this paper includes following aspects: 1.Keeping away from electronic money risk in commercial bank, it means keeping away from banking electronic risk. 2.Keeping away from electronic money risk in electronic business, it needs adopting the following technology: encrypt technique, numeral signature, security attestation.3.Keeping away from electronic money risk in network banking, it should adopt some technology to guarantee networking bank safety. 4.Building a system to keep away from electronic money risk, it must improve and perfect system measures, and revise the relevant financial regulations, and new financial laws. Electronic money will be the foundation of the 21st century, the pace of our country that enters electronic money times is accelerating. In the 21st century, electronic money will become an important means of daily payment. Keeping away from electronic money risk can promote application and serve the healthy and high-speed development of national economy.