利益视角下的大额电子资金划拨法

On the Legislation of Large-value Electronic Funds Transfer from the Viewpoint of Interests

利益因素是研究大额电子资金划拨法的一个切入点。金融效率与金融安全是大额电子资金划拨所影响的宏观利益,它们最终落实在大额电子资金划拨各微观利益群体的利益上,即资金划拨的高速性、低成本性和确定性。美国《统一商法典》第4A编和《国际贷记划拨示范法》通过各种规则设计,在不同程度上贯彻了上述利益因素。我国大额电子资金划拨法也应以高速性、低成本性和确定性为指导,借鉴美国《统一商法典》第4A编和《国际贷记划拨示范法》,以建立和完善我国的大额电子资金划拨法。

The interest factors are proper access to the research on the legislation of large-value electronic funds transfer. Financial efficiency and financial security are the macroscopic interests affected by large-value electronic funds transfer, which arc embodied in the interests of the microscopic interests groups, including high speed, low cost and certainty of the funds transfer. Uniform Commercial Code Article 4A and UNCITRAL Model Law on International Credit Transfers support these interests factors to different extents by a variety of rules, which are illuminating for our legislation .