小额电子资金划拨是通过一组合同群来调整所涉及的各方当事人之间的法律关系，共同完成一项消费的支付与结算。

Consumer EFT regulates its involved legal relationships by a group of contracts, all of which serve for accomplishing a consumptive payment and funds transfer.

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电子 资金划拨是 电子商务的重要组成部分 ，小额 电子 资金划拨中的反垄断问题是亟待研究的重要问题。

Electronic funds transfer is an important part of electronic commerce, the study on antitrust issues of small-value electronic funds transfer systems if also important.

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