消費(fèi)性電子資金劃撥中的消費(fèi)者權(quán)益保護(hù).pdf

1、華中科技大學(xué)碩士學(xué)位論文消費(fèi)性電子資金劃撥中的消費(fèi)者權(quán)益保護(hù)姓名：胡黎莉申請(qǐng)學(xué)位級(jí)別：碩士專業(yè)：經(jīng)濟(jì)法指導(dǎo)教師：袁冬娥20040508IIAbstractConsumerelectronicfundstransfer(CEFT)isakindofmodeoffundstransferwhichemergedwiththeelectronicfinance.Intheconsumerelectronicfundstransferconsu

2、mer’sbenefitsareusuallyhardtogetvalidprotectionbecauseofconsumer’sminpositionthepresenceofmodelcontract.Althoughourcountrypromulgatedthe“BankCardBusinessManagement”inMarch1999itsfunctionisverylimitedinaspectofprotectingc

3、onsumerassomesubjectiveobjectivereasons.Owingtoourcountry’sshtcomingincurrentlegislationsweshouldbrowfeigncountry’ssuccessfullegislationspracticesespeciallyBritishAmericanmeasuresinthisrespect.Earlyin1978Americaestablish

4、ed“TheFederalElectronicFundTransferAct”emphasizedtheprincipleofdisclosure.FederalReserveinstituted“RegulationE”“RegulationZ”stipulatedparticularlyconsumer’slimitationofliabilitycrectionofmistakedisclosurefinancialganizat

5、ion’sdutymodelcontract.Britainhasnotspecializedlawstoadjustconsumerelectronicfundstransferwhichprotectingconsumer’sbenefitsembodyregulationsovertheinequitycontractitemsatthesametimedependsontheselfdisciplineofthebanking.

6、In1992theEnglishBankerAssociationpublicized“CodeofBankingPractice”itmakesgreaterimpactonprotectingconsumer’sbenefits.Indertodeveloptheelectroniccommercestrengthentheconfidencethatconsumerproceedinterpaymentthereareveryim

7、ptanturgentthatweestablishperfectourcountry’sconsumerelectronicfundstransferlawsystem.AsfarasourcountryisconcernednotonlydrawslessonsfromAmericancurrentsinglecoderelatedlawbutalsopayattentiontotheregulationsovertheinequi