This paper analyzes lawful relationship of electronic funds transfer which should confirm lawful responsibility based on whether to set up safety process, whether the process is safe and how to set up safety process between banks and customers.

• 本文分析了电子资金划拨的法律关系,并重点阐述了未经授权电子资金划拨应根据银行与客户是否建立安全程序、安全程序是否安全、安全程序建立的过程等具体情况来认定法律责任的观点。