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一网络银行电子资金划拨的域外立法考察现代电子商务的范围尽管所涉范围非常广,但绝对不可能离开网络银行间的电子资金划拨来谈电子商务。电子商务的支付和结算的资金交付都是采取电子票据通过电子资金划拨(EFT)的方式进行,这实际也是网络银行与传统银行最根本的区别,传统银行使用的是纸质流通工具,其行为规范靠《票据法》、《商业银行法》、《储蓄条例》等针对纸质流通工具的法律来调整。而在电子商务交易过程中,由于银行电子化、网络银行
An Extraterritorial Legislation to Investigate the Electronic Funds Transfer of Internet Banks Although the scope of the modern electronic commerce is very wide, it is absolutely impossible to talk about e-commerce without the electronic funds transfer between Internet banks. E-commerce payment and settlement of funds are taken to pay electronic funds through electronic funds transfer (EFT) approach, which is actually the most fundamental difference between online banking and traditional banks, traditional banks use paper circulation tools, and its behavior The regulation is regulated by the law on paper circulation instruments such as the “Notes Law”, “Commercial Bank Law” and “Savings Regulations.” In the process of e-commerce transactions, due to bank electronic, online banking