發(fā)布時間：2018-06-29 07:00

  本文選題：電子票據(jù) + 票據(jù)法　； 參考：《大連海事大學》2013年碩士論文

【摘要】：近些年來,隨著市場經(jīng)濟發(fā)展的需求以及計算機網(wǎng)絡技術在商務流通領域的普遍適用,電子票據(jù)這一新型支付手段隨之應運而生。電子票據(jù)本身所具有的諸多優(yōu)勢使其發(fā)展成為必然趨勢,但目前在我國,電子票據(jù)社會認知程度相對較低,與紙質(zhì)票據(jù)如何轉(zhuǎn)換沒有明確標準,同時,電子票據(jù)作為高科技支付手段,在實現(xiàn)其債權等功能的同時伴隨著可能出現(xiàn)法律風險,如病毒、黑客入侵等經(jīng)濟詐騙侵權案件的發(fā)生。同時,商業(yè)銀行作為網(wǎng)絡銀行的幕后實體,其與電子票據(jù)使用客戶之間發(fā)生利益糾紛時,電子票據(jù)使用客戶難以取證,電子票據(jù)使用客戶的弱勢地位也使其合法利益難以得到明確的電子票據(jù)立法的保證。由此可知,電子票據(jù)在我國的發(fā)展中將遇到諸多障礙,與法律風險,這些都需要電子票據(jù)法律制度予以保障和防范。目前我國缺乏明確的電子票據(jù)立法,電子票據(jù)在我國現(xiàn)行《中華人民共和國票據(jù)法》(以下簡稱《票據(jù)法》)中也沒有明確的法律地位,這明顯不利于電子票據(jù)在我國的應用與發(fā)展。因此,筆者以為,構(gòu)建出一部適合我國現(xiàn)階段電子票據(jù)產(chǎn)業(yè)市場發(fā)展的電子票據(jù)法律制度已經(jīng)是在電子票據(jù)發(fā)展趨勢下的必然要求。 本文中,筆者擬從界定電子票據(jù)的概念入手,遵循是什么,為什么,怎么辦的邏輯結(jié)構(gòu),比較電子票據(jù)與傳統(tǒng)紙質(zhì)票據(jù)之間存在的差異性,結(jié)合電子票據(jù)本身所具有的優(yōu)勢與特征,分析當前形勢下電子票據(jù)法律制度在我國建立的必要性與可行性,總結(jié)我國理論界的票據(jù)立法模式,提出了三種電子票據(jù)法律制度構(gòu)建模式：第一,制定單行法律；第二,在我國現(xiàn)行《票據(jù)法》中單獨加設一章電子票據(jù)；第三,對我國現(xiàn)行《票據(jù)法》進行修改。筆者通過分析三種電子票據(jù)法律制度建立模式的優(yōu)缺點,結(jié)合前述電子票據(jù)與傳統(tǒng)紙質(zhì)票據(jù)內(nèi)涵及特征的發(fā)現(xiàn),即電子票據(jù)與傳統(tǒng)票據(jù)有著本質(zhì)上的聯(lián)系,電子票據(jù)與傳統(tǒng)紙質(zhì)票據(jù)在票據(jù)法律行為方面的性質(zhì)是相同的,只不過是電子票據(jù)在票據(jù)行為的傳載介質(zhì)上發(fā)生了改變,即由紙質(zhì)介質(zhì)變?yōu)閿?shù)據(jù)電文形式,交易平臺變?yōu)榱司W(wǎng)絡銀行,引發(fā)了電子票據(jù)相關主體的權利義務及其法律責任的變化。筆者在本著我國票據(jù)立法現(xiàn)狀,采用了第三種法律構(gòu)建模式,即對我國現(xiàn)行《票據(jù)法》進行修改,同時借鑒國外電子票據(jù)立法的成功典范,提出了下列電子票據(jù)法律制度建立的具體措施：第一,明確電子票據(jù)在我國現(xiàn)行《票據(jù)法》中的法律地位,提高其社會認知程度,使得電子票據(jù)在我國的發(fā)展有明確立法依據(jù),進而促進電子票據(jù)在我國的發(fā)展進程：第二,在我國現(xiàn)行《票據(jù)法》中明確電子票據(jù)相關主體及其權利與義務,使電子票據(jù)相關主體有法可依,并使其合法利益能得到法律的保障；第三,在我國現(xiàn)行《票據(jù)法》中明確電子票據(jù)的相關法律責任,以應對電子票據(jù)在我國的實踐中的法律風險。
[Abstract]:In recent years, with the development of market economy and the general application of computer network technology in the field of commercial circulation, electronic bill as a new payment means came into being. Electronic bills have many advantages that make their development an inevitable trend, but at present in China, the social cognition of electronic bills is relatively low, and there is no clear standard for how to convert paper bills, at the same time, Electronic bill, as a high-tech payment method, is accompanied by possible legal risks, such as virus, hacker invasion and other economic fraud infringement cases, while realizing its creditor's rights and other functions. At the same time, commercial banks, as the behind-the-scenes entities of network banks, are difficult to obtain evidence when there is an interest dispute between them and customers using electronic bills. The weak position of customers makes it difficult to guarantee the legal interests of electronic bills. It can be seen that electronic instruments will meet many obstacles and legal risks in the development of our country, which need to be protected and prevented by the legal system of electronic bills. At present, our country lacks clear legislation on electronic instruments, and electronic instruments do not have a clear legal status in the current negotiable Instruments Law of the people's Republic of China (hereinafter referred to as the instrument Law). This is obviously not conducive to the application and development of electronic bills in China. Therefore, the author thinks that it is necessary to construct a legal system of electronic bill which is suitable for the development of electronic bill industry in our country. In this paper, the author intends to define the concept of electronic bills, follow what, why, how to do the logical structure, compare the differences between electronic bills and traditional paper bills, Combined with the advantages and characteristics of electronic bill itself, this paper analyzes the necessity and feasibility of establishing the legal system of electronic bill in our country under the current situation, and summarizes the legislative model of bill in the theoretical circle of our country. This paper puts forward three kinds of legal system construction models of electronic bill: first, to make a separate law; second, to add a separate chapter to our country's current negotiable instrument Law; third, to amend the current instrument Law of our country. By analyzing the advantages and disadvantages of the three legal systems of electronic instruments, the author combines the above findings of electronic instruments and traditional paper instruments, that is, electronic bills and traditional instruments have an essential relationship. The nature of electronic bill is the same as that of traditional paper instrument in the aspect of legal act of bill, but it is only that the electronic instrument has changed in the medium of transmission of bill behavior, that is, from paper medium to data message form. The trading platform has become a network bank, which leads to the change of the rights and obligations of the related subjects of electronic bills and their legal responsibilities. In line with the present situation of bill legislation in our country, the author adopts the third kind of legal construction mode, that is, to modify the current Bill Law of our country, and at the same time to learn from the successful example of foreign electronic bill legislation. This paper puts forward the following specific measures to establish the legal system of electronic instruments: first, to make clear the legal status of electronic instruments in our country's current instrument Law, to improve their social cognition, so that the development of electronic instruments in our country has a clear legislative basis. Then promote the development process of electronic bill in our country: second, in the current instrument law of our country, make clear the relevant subject of electronic bill and its rights and obligations, so that the relevant subject of electronic bill has legal basis, In order to deal with the legal risk of electronic bill in our country, we should make clear the legal responsibility of electronic bill in our country's current instrument law.
【學位授予單位】：大連海事大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：D922.287

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本文編號：2081307