电子资金转移法律关系分析

Analyses on relation existed in electronic funds transfer

由于网络银行的出现,现代电子资金转移,已将原本的封闭系统与开放式的因特网系统相连结,形成以网络银行为中心的电子数据交换网络。本文针对现代电子资金转移系统发展的现状,重点研究了电子资金转移过程中银行、银联、客户、网站等不同主体之间存在的多种关系。其中,主要从网络银行连线作业的金融关系、网络银行的系统关系两个层面进行了各种主体关系结构的具体分析,以期通过主体间关系类型的梳理和厘清,推动网络银行系统的改善和制度的完善。

Now,network banking brings a great ehange to funds transfer and makes it a totally open system deferent from before,by eonneeting with internet. Considering progress of electronie fund transfer,this paper focuses on all kinds o f relations between banks,China Union Pay,clients and web sites. The analyses in paper ean be divided into two parts：finaneial relation of network bank business,and of network bank system itself. From the writer＇s view, clarifieation and classifieation on relation of deferent parts will profit development of net work bank system and rules making.