Electronic money is not credit money, they are subordinate. Because credit card is not electronic money, credit card is the identity of the owner of electronic money. At present, electronic money is based on the premise that most electronic money exists on the basis of existing physical money and has the functions of "value scale" and "value preservation". The ratio of electronic money to physical money can be exchanged as 1: 1. Credit currency is a credit circulation tool provided by banks. Its own value is far lower than its currency value, and unlike alternative currency, it is completely decoupled from precious metals and no longer directly represents any precious metals. Strictly speaking, it refers to the currency that consumers use the online banking service of the bank to store value and pay it to the issuer of electronic money quickly, so that consumers can conduct electronic transactions through the media.

1. Credit currency is stipulated by national laws, and it does not contain any precious metals, so it must independently exercise its currency circulation function. The currencies issued by countries all over the world are basically credit currencies. Credit currency is a credit circulation tool provided by banks.

2. Credit currency is a form of currency guaranteed by credit and issued through certain credit procedures as a means of circulation and payment. It is a modern form of currency development.

3. Credit currency has the following characteristics:

(1) is the value symbol of money;

(2) Credit currency is debt currency;

(3) Credit currency is mandatory;

(4) The state controls and manages the credit currency;

4. Electronic money refers to the money based on financial electronic network, with commercial electronic tools and various transaction cards as the media, with electronic computer technology and communication technology as the means, stored in the computer system of the bank in the form of electronic data (binary data), and realized the circulation and payment functions in the form of electronic information transmission through the computer network system.