2009, vol. 26, br. 9-10, str. 36-43
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Elektronski način plaćanja - EFT
Electronic founds transfer - EFT
Univerzitet Privredna akademija u Novom Sadu, Pravni fakultet za privredu i pravosuđe
Sažetak
Elektronsko poslovanje i njegov sastavni deo elektronska trgovina su novije pojave u savremenom poslovanju, tačnije u trgovini, pravu, poslovnim odnosima između pojedinaca (fizičkih lica), zatim pojedinaca i privrednih organizacija, a najviše između banaka kao i banaka i njihovih klijenata. Pojave kao što su: elektronski potpisi, elektronska razmena podataka, elektronski način plaćanja, kućno bankarstvo, virtuelne prodavnice i kupovina putem Interneta kao i zaključivanje ugovora i najrazličitijih vrsta poslova putem Interneta i druge pojave, doprinele su brzini, kvalitetu i kvantitetu učinjenih poslovnih transakcija, a sve to sa manjim utroškom sredstava. Kao i svaki drugi vid poslovnog odnosa, i ovaj ima svoje nedostatke koji se ogledaju u tome što je nov i pravno nije u potpunosti regulisan, sa brojnim prazninama naročito u nacionalnim zakonodavstvima: sigurnost samih poslovnih transakcija može biti ugrožena na različite načine obzirom da je u pitanju zaključivanje poslova putem WWW-a. Zakon je urađen u skladu sa savremenim načelima u oblasti e-poslovanja i e-trgovine obzirom da treba da udovolji zahtevima i potrebama prakse, prvenstveno poslovnih ljudi, kojima je u interesu da imaju pravnu osnovu na koju mogu da se oslone.
Abstract
Electronic business and electronic trade as its component are new phenomena in modern business, exactly in the fields of trade, law, business relationships between individuals themselves, then between individuals and commercial organizations, and most of all between banks themselves as well as between banks and their clients. The phenomena such as: electronic signatures, electronic exchange of information, electronic way of paying, home banking, virtual shops and buying things through the Internet as well as making contracts and other most different kinds of business done through the Internet and other phenomena have contributed to the speed, quality and quantity of the done business transactions and all that with less expenses. As every other kind of business relationship, this one has also its defects coming from the fact that it is a new and not completely legally regulated area with numerous lacks especially in national legislatures. The safety of business transactions themselves could be endangered in different ways according to the fact that we are talking about doing some business through the WWW address. The law has been made in accordance with modern principles in the field of electronic business and electronic trade and it has to satisfy requests and practical needs, in the first place, of businessmen whose interest is to have a legal basis they can rely on.
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