The legislation of large-value electronic funds transfer in our country should learn from Uniform Commercial Code Article 4A and UNCITRAL Model Law on International Credit Transfers and clarify the legal status of system rules.

• 我国大额电子资金划拨立法应该借鉴美国《统一商法典》第4A编和《国际贷记划拨示范法》的做法，明确系统规则的法律地位。