Based on the condition that money stored in the stored-card has become the currency, the author classifies the stored-card currency, then analyzes the risks to the central hank, as well as the final regulatory measures.

• 本文从基于储值卡的货币成为通货的条件出发，将储值卡货币进行分类，然后分析了其风险以及对中央银行的影响，最后提出了监管对策。