一类是以特定企业财力作为信用基础所发行的专门用以内部支付手段的虚拟货币。该类货币的发行和使用都是以特定企业的业务为支撑的，它主要包括各种电子商务企业所发行的各种游戏币、充值点等。该类虚拟货币的信用风险大小取决于发行企业的信用水平。
The issue and use of this type of currency is supported by the business of the particular enterprise, which includes, among other things, a variety of game moneys, charging points, etc. issued by various e-commerce enterprises. The size of credit risk in this type of virtual currency depends on the credit level of the issuing enterprise.
第三类是缺乏独立财力作为信用担保基础，而是以社会公众的推崇作为信用基础来发行的虚拟货币。由于该类虚拟货币的发行和支付缺乏具体信用基础，仅仅靠社会公众的推崇作为其信用基础，发行者也无需承担任何风险，其发行的目的唯一目的就是盈利的，因此，其信用风险很大，投机性最强。
The third category is the lack of independent financial resources as a basis for credit guarantees, but rather a virtual currency issued on the basis of credit promotion by the public. Because of the lack of a specific credit base for the issuance and payment of this type of virtual currency, it is not possible for issuers to assume any risk on the basis of public appreciation alone.
考虑到第一类虚拟货币在本质上与现实环境下的货币并无二致，也是国家行使货币发行权的表现，因此，本文仅在狭义上使用虚拟货币，仅仅讨论后两类虚拟货币所面临的法律问题。
In view of the fact that the first type of virtual currency is, in essence, no different from a currency in a realistic environment and is also an expression of the exercise by the State of its right to issue its currency, this paper uses virtual currency only in a narrow sense and only discusses the legal problems faced by the latter two categories of virtual currency.
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