论电子商业汇票融资功能的法律制度保障

Legal System Guarantee on the Financing Function of Electronic Commercial Draft

电子商业汇票将成为越来越重要的融资手段,但我国现行立法尚存在诸多影响电子商业汇票融资的制度缺陷。为了保障电子商业汇票的融资功能,我国立法首先应确立电子商业汇票无因性的立法原则,允许纯融资票据参与融资市场;其次应明确电子商业汇票无条件支付性的法律特征,完善付款人违反无条件支付的法律责任制度;再次应扩大电子商业汇票的参与主体,推进融资主体多元化发展;最后应增设电子商业汇票付款的中期期限,满足不同客户群的融资需求。

In order to ensure the financing function of the electronic commercial draft,China＇s legislation should perform as follows. First,to establish the legislative principles of non- causative nature of the electronic commercial draft,and allow pure financing bills to participate in financing market; second,to define the legal characteristics of ＂to pay unconditionally＂of the electronic commercial draft so as to consummate the legal liability system of disobeying ＂to pay unconditionally＂; third,to enlarge the participators of electronic commercial draft,and propel the multiplex development of financing body; fourth,to set the medium deadline for electronic commercial draft payment in order to satisfy the financing needs of different groups of customers.