当前,货币形式的电子化正以越来越快的方式多方面介入到金融领域的各个方面,但相对于银行网络业务的发展,相应的法律制度却显得十分滞后,由于现行的金融法规均无针对银行网络业务中有关电子支付的具体规定,使银行与客户之间的交易不能建立在法律的框架之内,电子化交易的法律规定基本处 At present, the electronic form of money is getting involved in all aspects of the financial sector in an ever-faster and faster manner. However, compared with the development of banking network business, the corresponding legal system lags behind. As the current financial laws and regulations are neither The specific provisions on electronic payment in the network business of banks make it impossible for the transactions between banks and customers to be established within the framework of law. The law of electronic transactions stipulates that basic transactions