本文選題：電子票據(jù) + 法律制度��； 參考：《西南政法大學》2013年碩士論文

【摘要】：隨著現(xiàn)代金融業(yè)電子化的發(fā)展趨勢，全新的交易模式使得傳統(tǒng)支付領(lǐng)域面臨著巨大的考驗。傳統(tǒng)紙質(zhì)票據(jù)由于受到諸多方面的局限，不能夠適應(yīng)電子商務(wù)時代的支付要求，而其他電子支付方式又不能夠替代傳統(tǒng)票據(jù)在支付領(lǐng)域的功能，在這種情況下電子票據(jù)應(yīng)運而生。近年來電子信息技術(shù)飛速發(fā)展，互聯(lián)網(wǎng)的應(yīng)用已經(jīng)深入到人們生活的每一個方面，為電子票據(jù)的推廣創(chuàng)造了有利條件。然而，電子票據(jù)的發(fā)展不僅僅需要技術(shù)上的支持，更加需要法律給予其保障，使其能夠充分發(fā)揮應(yīng)有的效用。 我國現(xiàn)行《票據(jù)法》是基于傳統(tǒng)紙質(zhì)票據(jù)而制定的，確認的是紙質(zhì)票據(jù)及其簽章的法律效力，沒有將電子票據(jù)納入其規(guī)制的范疇。雖然《電子支付指引》及《電子商業(yè)匯票管理辦法》的相關(guān)規(guī)定可以適用于電子票據(jù)，但這些部門規(guī)章的法律效力層級較低，實踐中仍然傾向于依據(jù)《票據(jù)法》處理電子票據(jù)糾紛，因此電子票據(jù)的業(yè)務(wù)發(fā)展與法律法規(guī)的制定處于失衡狀態(tài)。 理論界對電子票據(jù)的關(guān)注多集中于傳統(tǒng)票據(jù)規(guī)則的滯后性，實務(wù)界則傾向于從電子商務(wù)的角度解決問題，提出的建議較為零散，不成體系。本文從制度層面出發(fā)，運用比較、歸納、歷史分析以及借鑒的方法對電子票據(jù)的文獻資料進行了分析研究，著眼于完善我國的電子票據(jù)法律制度。除開引言和結(jié)語部分，本文的主體分為四個部分： 第一部分主要介紹了電子票據(jù)的基本理論，筆者將電子票據(jù)與傳統(tǒng)紙質(zhì)票據(jù)進行了分析比較，以闡明兩者之間的聯(lián)系和區(qū)別，并結(jié)合票據(jù)運行的實際情況總結(jié)出電子票據(jù)的比較優(yōu)勢。 第二部分檢討了我國電子票據(jù)法律制度存在的問題，體現(xiàn)為電子票據(jù)的權(quán)利行使及救濟方式與現(xiàn)行立法規(guī)定相沖突，電子票據(jù)缺乏完整的報價體系，票據(jù)當事人的法律責任不清晰，，票據(jù)市場監(jiān)管力量薄弱。 第三部分是本文論述的重點，即我國電子票據(jù)的合法地位的確立，筆者對世界主要國家和國際組織的電子票據(jù)立法進行了比較研究，提出了對《票據(jù)法》及相關(guān)法規(guī)進行修改和協(xié)調(diào)的建議，明確電子簽名的法律效力，使電子票據(jù)符合法律關(guān)于書面形式和原件的要求。 第四部分結(jié)合電子票據(jù)流通的實踐，對完善我國電子票據(jù)法律制度提出了若干建議，通過構(gòu)建統(tǒng)一的電子票據(jù)交易中心，形成電子票據(jù)利率定價機制，改進電子票據(jù)資 信評級制度，提升電子票據(jù)市場監(jiān)管水平。 總之，筆者希望通過電子票據(jù)法律制度的完善，規(guī)范市場主體的票據(jù)行為，促進電子票據(jù)的流通和融資功能的發(fā)揮，進而推動金融市場整體的連通和發(fā)展。
[Abstract]:With the development trend of modern financial industry, the new transaction mode makes the traditional payment field face a great test. Due to the limitations of many aspects, the traditional paper bills can not adapt to the payment requirements of the electronic commerce era, and other electronic payment methods can not replace the functions of the traditional bills in the field of payment. In this case, electronic bills came into being. In recent years, with the rapid development of electronic information technology, the application of the Internet has penetrated into every aspect of people's lives, which has created favorable conditions for the promotion of electronic bills. However, the development of electronic instruments not only needs technical support, but also needs the protection of the law so that it can give full play to its due effect. The current instrument Law of our country is based on the traditional paper bill, which confirms the legal effect of the paper bill and its signature, and does not bring the electronic bill into the scope of its regulation. Although the relevant provisions of the Electronic payment guidelines and the regulations governing Electronic Commerce Bills can be applied to electronic instruments, the level of legal effect of these sectoral regulations is lower. In practice, it is still inclined to deal with the dispute of electronic bill according to "negotiable instrument Law", so the business development of electronic bill and the formulation of laws and regulations are out of balance. The attention of the theorists on electronic bills is mainly focused on the lag of the traditional bill rules, while the practical circles tend to solve the problems from the perspective of electronic commerce, and the suggestions put forward are scattered and not systematic. From the system level, this paper analyzes and studies the literature and materials of electronic bills by means of comparison, induction, historical analysis and reference, with a view to perfecting the legal system of electronic bills in our country. In addition to the introduction and conclusion, the main body of this paper is divided into four parts: the first part mainly introduces the basic theory of electronic bills. In order to clarify the relationship and difference between the two, and combined with the actual operation of the bill summed up the comparative advantages of electronic bills. The second part reviews the problems existing in the legal system of electronic bill in our country, which is reflected in the conflict between the exercise of the right and the relief method of the electronic bill and the current legislative provisions, and the lack of a complete quotation system for the electronic bill. The legal responsibility of bill parties is not clear, and the supervision of bill market is weak. The third part is the focus of this paper, that is, the establishment of the legal status of electronic bills, the author of the world's major countries and international organizations of electronic bills legislation comparative study. This paper puts forward some suggestions for revising and coordinating the negotiable instrument Law and related laws and regulations, and clarifies the legal effect of electronic signature so as to make the electronic instrument meet the requirements of the law concerning the written form and the original. The fourth part, combining the practice of electronic bill circulation, puts forward some suggestions to perfect the legal system of electronic bill in our country, and forms the pricing mechanism of interest rate of electronic bill by constructing a unified electronic bill trading center. To improve the credit rating system of electronic bills and improve the supervision level of electronic bills market. In a word, the author hopes that through the perfection of the legal system of electronic bill, we can standardize the bill behavior of the market subject, promote the circulation of electronic bill and the function of financing, and then promote the overall connectivity and development of the financial market.
【學位授予單位】：西南政法大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：D922.287

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