一、问题的由来和讨论的范围 (一)社会现象的观察和思考 在现实生活中,许多人都有使用银行卡的经验。它确实给人们带来了许多方便,但在使用过程中也出现了错误的划拨、卡被盗用等各种问题,因此而引起的银行与客户的纠纷、诉讼也不少见。可是,现有的法律对此并没有相应的规定,因此对电子资金划拨这一新生事物进行研究是迫切而必要的。 First, the origin of the problem and the scope of the discussion (A) of the social phenomenon of observation and reflection In real life, many people have the experience of using bank cards. It does bring a lot of convenience to people, but in the process of using it, there are various problems such as wrong transfer of funds and misappropriation of cards. As a result, disputes between banks and customers and lawsuits are not uncommon. However, the existing laws do not have corresponding provisions in this regard, so it is urgent and necessary to conduct research on this new thing of electronic funds allocation.