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问题	汇款备注是不是有效的法律问题
释义	法律分析: 有效。网上银行转帐，转账时填写的附言同样具有法律效力，因为附言起到交易类型的说明作用。法律依据: 《中华人民共和国行政强制法》第四十七条划拨存款、汇款应当由法律规定的行政机关决定，并书面通知金融机构。金融机构接到行政机关依法作出划拨存款、汇款的决定后，应当立即划拨。
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