代付及代付同质业务不同管理方式的例证研究

各类代付及代付同质业务对缓解境内企业资金供求矛盾、降低融资成本、规避汇率风险、拓宽商业银行盈利空间等有积极的意义,但当前对代付及代付同质业务的不同管理方式不仅为商业银行提供监管套利空间,同时也给货币政策调控和宏微观经济运行带来了风险隐忧,如何平衡金融创新与金融监管、宏观调控以及风险防范之间的关系,引导代付同质业务理性健康发展成为当前宏观调控和银行监管急需解决的问题。

Comparative Research on Payment Protocols SSL and SET in Electronic Commerce

The security of electronic payment is one discusses the secure mechanism and transaction process of the key problems in electronic commerce. This paper of the two electronic payment protocols SSL and SET, and presents the differences between them on security, function and practicality. SSL takes an active role in current electronic payment. With high security and perfect specifications, however, SET isn＇t widely used at present because of its complexity. But it will change in the future.

论合同目的不能实现——以指导案例67号为例

自最高法指导案例67号公布,多名学者发表了自己的学术见解。本文以合同目的不能实现为视角,从合同目的的基本含义和合同目的不能实现与合同解除权、根本违约的语义辨析出发,探析案涉《分期付款协议》的合同性质及应当适用的法律条文,着眼于指导案例67号关于合同目的能否实现的论述,以期获得新的启发。