This article analyses the related problems based on the provisions of article 4a of uniform commercial code , meanwhile takes fully account of the feature and practical situation of china . it focuses on four kinds of errors on payment in the process of large - value electronic funds transfer , including unauthorized payment order , misdescription of payment order , faults of payment order and erroneous execution of payment order . this article discusses the rights and obligations of each party under different occasions in details and brings forward the suggestions for the legislation of our country concerning the errors on payment in the process of the large - value electronic funds transfer 本文在借鉴《美国统一商法典》第4a编相关规定的基础上，结合我国法律体系的特点及实际情况，围绕大额电子资金划拨过程中可能出现的虚假支付命令、支付命令误述、支付命令错误以及支付命令的错误执行等四种支付瑕疵展开论述，详细分析了各种情况下当事人的民事责任承担等问题，并对我国在此领域的立法提出了相关的设想。
Really , electronization , digitized era is already come , electronic fund transfer becoming generally used the way in fund payment and balance day by day in our daily life , therefore how to use the law to solve the contradiction and dispute produced in the electronic payment , especially how to confirm that which kind of legal liability problem to the bank and customer should bear , these seem very urgent and reality 确实，在电子化、数字化时代已经到来的今天，电子资金划拨日益成为我们日常生活中所普遍运用的资金支付与结算方式，因而如何运用法律来解决在电子支付中产生的矛盾与纠纷，特别是如何确定银行及客户应当承担何种法律责任的问题，就显得非常迫切而现实。
The electronic commerce is the business activity of sorts in internet environment . an important technique characteristic of business activity . the electronic commerce make use of the web technique to deliver and deal with the business information , for the web technique is apt to gather and can communicate different information system and soft hardware platform 电子商务是指利用互联网环境进行的各种各样的商务活动，如网上的广告宣传、咨询洽谈、资金划拨、交易管理、客户服务和货物递交等售前、售中和售后服务，以及市场调研、财务核算、生产调度等商务活动。
