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美国《统一商法典》第4A编和《联合国国际贷记划拨示范法》在国际贷记电子资金划拨的法律适用上,均采用了一般国际私法理论和规则的解决办法,即,对于合同关系,当事人意思自治优先;无意思自治时,采用最密切联系地原则;在确立最密切联系地的时候,采用特征履行理论。我国《电子银行业务管理办法》规定的标准适用于跨国电子资金划拨关系是不适当的,需要出台与国际接轨的、减少不必要法律冲突的电子资金划拨法,从而促进我国金融市场参与国际化的进程,增加我国金融业的国际竞争力。
Part 4A of the Uniform Commercial Code of the United States and the UN Model Law on the International Credit Transfer all adopt the solution to the theory and rule of international private law on the legal application of international credit electronic funds allocation. That is, for the contractual relationship, When the meaning of autonomy is concerned, the principle of closest contact should be adopted. When establishing the closest relationship, the principle of feature fulfillment should be adopted. The application of the standards set forth in the Measures for the Administration of Electronic Banking in China to the Transnational Electronic Funds Transfer is inappropriate and requires the introduction of the Electronic Funds Transfer Law in line with international standards to reduce unnecessary legal conflicts so as to promote the participation of China’s financial markets in internationalization Process, increase the international competitiveness of China’s financial industry.