Large-value electronic funds transfer is the product of electronic finance, which has the characteristics of non-paper base, wholesaling and technicality and thus owns the unparalleled predominance over traditional payment tools.

• 大额电子资金划拨是金融电子化的产物，其无纸化、批发性和技术性特征使其具有传统支付工具所无法比拟的优势，但也给立法带来巨大挑战。