电子支付对金融法的挑战及应对

Challenges of the Electronic Payment on Financial Law

电子支付的出现是支付结算史上的一次革命性变化,不仅革新了传统的支付方式,而且对传统的法律规则也提出了挑战。因此,对电子支付进行立法规制就显得十分紧迫。运用历史分析方法对支付方式的嬗变过程进行梳理,从中可以抽象出支付方式发展到电子支付阶段以后的主要特点。这些特点也正是电子支付对传统金融法构成挑战的根本原因。电子支付对传统金融法的挑战和影响主要体现在支付结算法、中央银行法、票据法、金融监管法等几个具体的领域,而这些挑战和颠覆既是对电子支付进行法律规制的必要性也是其相关制度构建的出发点。对电子支付进行法律规制应遵循"理念——原则——制度"的进路,而具体制度规则的构建应在"主体——行为——责任"的框架下展开。

The appearance of electronic payment is a revolutionary incident in the history of payment and settlement,which not only reforms the traditional payment system,but also raises challenges to the existing legal rules and regulations.By employing the historical analysis method,this paper sorts out the historical evolution process of payment system and summarize the features of the electronic payment.Features such as digital informationization,virtualization and paperlessness of electronic payment are the essential reasons for its challenges to traditional financial law.Challenges such as measures for payment and settlement,central bank act,negotiable instruments law and financial regulation law make it necessary for us to carry legal regulation,and regards it as the starting point of related system construction.The general legal regulation should follow the idea-principle-system approach,while the specific rules should be developed under the subject-behavior-responsibility framework.