消费性电子资金划拨是伴随着金融电子化出现的一种资金转移方式,互联网产生后,其内涵与外延则发生进一步变化。本文从剖析消费性电子资金划拨的定义入手,讨论分析了它的主体、客体以及其中纷繁复杂的法律关系网络,进而对中国的消费性电子资金划拨现状与问题进行较为全面的研究,并提出相应的立法建议。 The allocation of consumer electronic funds is accompanied by the emergence of a financial electronic transfer of funds, the Internet is generated, the connotation and extension of the occurrence of further changes. This article begins with the definition of consumer electronic funds allocation, discusses its subject, object and its complex network of legal relationships, and then makes a more comprehensive study on the current situation and problems of China's consumer electronic funds allocation. The legislative proposal.