전자화폐의 발전과제 = Development Schemes for Electronic Money

다국어 초록 (Multilingual Abstract)

Electronic money is a kind of money, but provides a totally new concept in the sense of digital money. According to the definition of BIS(1998). electronic money refers to "stored" value of prepaid payment mechanisms for executing payments via point of sale terminals, direct transfers between two devices, or over open computer networks such as the Internet.
This paper tries to analyze the situation and the characteristics of this electronic money introduced in Korea. Then, it suggests the ways of developing and establishing electronic money. First of all, the credibility of issuers has to be confirmed, because it can be issued by non-financial institutions such as internet firms. And, fair and equal competitions should be guaranteed among participants in that market. To maintain the effectiveness of monetary policy, it should consider the effects of electronic money. On the other hand, the standardization of electronic money is necessary to increase the market efficiency. And the benefits of using electronic money is to be increased. Moreover, payment system for electronic money has to secured via its proper and thorough safety and stability tests. Finally, the plan and the vision of the government will greatly help to develop and establish electronic money.

목차 (Table of Contents)

• Ⅰ.시작하는 말
• Ⅱ.전자화폐의 성격
• Ⅲ.전자화폐의 도입현황
• Ⅳ.전자화폐의 문제점과 발전과제
• Ⅴ.맺는 말
• 참고문헌
• SUMMARY