匯款轉帳之法律關係

The Legal Relationships to Money Transfer

匯款與轉帳乃交易上常用之價金給付方式，其方式為透過金融機構之往來運作，將金錢由匯款轉帳人之銀行匯人對方之銀行帳戶之中。一筆匯款轉帳的參加人，依情形約可分為三種，即行內及聯行、跨行或多家跨行匯款轉帳，第一種只有匯款人、受款人及該家銀行三者。若為跨行匯款轉帳通常約有四個參加人，即匯款轉帳人、匯出（銀）行、受款人與解款（銀）行。若匯出行與解款行問無有通匯契約，貝叮往往透過與匯款行及解款行皆有往來之中轉銀行之協力才能完成，此種情形則為多家跨行匯款轉帳。又，如果非利用人工，而係利用電子金融轉帳系統完成匯款轉帳時，則完成該筆匯款所利用之金融資訊機構（中央銀行與財金資訊股份有限公司）亦為參加人之一。本文即在研究上述參加人問之法律關係，以及匯款之客體，即匯劃款項在法律上之意義。

The remittances are often used for payment transactions. The remitter give the money from his bank and it continues to make to the bank of the recipient. There are by the participation of three different types, namely, the transfer in the same branch bank, the same bank or between different banks. Between the remitting bank and receptions Bank without reference contract, then you need to pass through an intermediate bank that payment performance. Nowadays, a referral is done by so-called. Electronic Funds Transfers. This work study the legal relationship between the participant.