论大额电子资金划拨系统规则的法律地位——以降低系统风险为出发点

On the Legal Status Of Large-Value Electronic Funds Transfer System Rule ——From the Starting Point of System Risk Reduction

系统风险不仅牵动着大额电子资金划拨系统运营者和系统成员的利益,更影响着一国的经济安全与金融竞争力。就降低系统风险而言,资金划拨系统规则发挥着主导作用,立法应承认并鼓励系统规则的制度创新。我国大额电子资金划拨立法应该借鉴美国《统一商法典》第4A编和《国际贷记划拨示范法》的做法,明确系统规则的法律地位。

System risk not only affects the interests of the large-value electronic funds transfer system's operators and participants but also impairs the economic security and financial competitiveness of the country.Funds transfer system rules play a leading role in the system risk reduction,so the legislation should acknowledge and encourage the creation of the system rules.The legislation of large-value electronic funds transfer in our country should learn from Uniform Commercial Code Article 4A and UNCITRAL Model Law on International Credit Transfers and clarify the legal status of system rules.