論網上銀行電子資金劃撥中客戶權益的法律保護.pdf

1、湖南大學碩士學位論文論網上銀行電子資金劃撥中客戶權益的法律保護姓名：謝琴申請學位級別：碩士專業(yè)：經濟法學指導教師：黎四奇20090420碩士學位論文AbstractFollowingwiththedevelopmentofmoderninformationtechnologyandnetworktechnique，Ebankcomesintobeing，whichisbringingmorevigortothedevelopmentof

2、moderneconomyandsatisfyingpeople’SdemandsforconvenientandefficientbankservicetosomeextentElectronicFundsTransferofEbankisoneimportantlinkintheprocessofInternetbankbusinessactivitiesItisdefinedastheFundsTransferafterthecu

3、stomer(includingthebank)forwardingpaymentordertothecomputernetworksystemsuppliedbythebankthroughelectroniccurrency(includingbankcards，digitalcurrency，internetcurrencyandelectroniccheck)ElectronicFundsTransferisdistinguis

4、hedfromtraditionalface—tofaceplatformexchangewithitsfeatureofvirtualization，digitalizationandglobalization，whichisbringingnewwaysofefficiencygrowthforthebankandconveniencetothecustomer，butalsoinevitablybecomingthecrimina

5、lofnewproblemsandriskrelatedwiththelawThenewriskcausedbytheparticularityoftheInternet，whichisdifferentfromtraditionalwaysofexchangefacedbyE—bankcustomers，canbeconsideredasthemainrepresentationOncethiskindofthingscomeinto

6、reality，thedifficultyofrightsprotectingofthecustomercausedbytheinfluencedisproportionbetweenbankandcustomerwillpushingEbankcustomersintoanembarrassingsituationButthereisnocorrespondingbalancefromforthcominglawsandregulat

7、ionsThus，rightsprotectingforE—bankcustomersisbecomingaproblemtobesolvedurgentlyCopingwithissuelikethis，thelegislativeexperienceoftheAmericanisadvanced，andhaveaprofoundcompacttoothercountriesComparedwiththeseexperienceand

8、practice，theincompetenceofourregulationofE—bankcustomerrightsisasfollows：1Thelegalhierarchylow；2Thelackofrelevantlegislation；3Thevalueorientationofthelegislationisbiased；4Avacuityoflogicbetweenthelaws；5Thegapsbetweenthel

9、awandtheexperience；6ThemassiveincompletionintheconstructionofrelevantsystemsThus，thechoiceoflegislationmodelwoulddependonourdomesticsituations，attendingtheinterestsoftheconsumers，andtobecompletedcontinuouslyKeyWords：E—ba