中英對照 票據(jù)法

CONTENTS

目錄

CHAPTER ONE GENERAL PROVISIONS

第一章　總則

CHAPTER TWO DRAFTS

第二章　匯票

SECTION ONE DRAWING OF DRAFTS

第一節(jié)　出票

SECTION TWO ENDORSEMENT

第二節(jié)　背書

SECTION THREE ACCEPTANCE

第三節(jié)　承兌

SECTION FOUR GUARANTEE

第四節(jié)　保證

SECTION FIVE PAYMENT

第五節(jié)　付款

SECTION SIX RIGHT OF RECOURSE

第六節(jié)　追索權(quán)

CHAPTER THREE PROMISSORY NOTES

第三章　本票

CHAPTER FOUR CHECKS

第四章　支票

CHAPTER FIVE APPLICATION OF LAW ON FOREIGN-RELATED NEGOTIABLE INSTRUMENTS

第五章　涉外票據(jù)的法律適用

CHAPTER SIX LEGAL RESPONSIBILITIES

第六章　法律責(zé)任

CHAPTER SEVEN SUPPLEMENTARY PROVISIONS

第七章　附則

CHAPTER ONE GENERAL PROVISIONS

第一章　總則

Article 1 The law has been drawn up with a view to standardizing the behavior in the transaction of negotiable instruments, protecting the legitimate rights and interests of parties concerned in the negotiable transaction activities, safeguarding the social and economic order and promoting the development of the socialist market economy.

第一條【立法目的】為了規(guī)范票據(jù)行為，保障票據(jù)活動中當(dāng)事人的合法權(quán)益，維護社會經(jīng)濟秩序，促進社會主義市場經(jīng)濟的發(fā)展，制定本法。

Article 2 The law applies to all transaction activities in negotiable instruments within the territory of the People's Republic of China.

第二條【適用范圍】在中華人民共和國境內(nèi)的票據(jù)活動，適用本法。
本法所稱票據(jù)，是指匯票、本票和支票。

Article 3 Activities of transacting negotiable instruments shall abide by law, administrative regulations and decrees and shall not in any way impinge upon the public interests,

第三條【票據(jù)活動基本原則】票據(jù)活動應(yīng)當(dāng)遵守法律、行政法規(guī)，不得損害社會公共利益。

Article 4 In drafting negotiable instruments, a drawer shall put his/her signature or seal to the instruments according to the legal conditions and bear the liabilities for the negotiable instruments in compliance with the items recorded on them.
In exercising the rights arising out of the negotiable instruments, a holder shall put his/her signature or seal to the negotiable instruments according to the legal procedures and present the instruments.
Other debtors who have put their signatures or seals on the negotiable instruments shall be obliged to perform the obligations arising out of the negotiable instruments.
The term "rights arising out of the negotiable instruments" used in this law refers to the rights of the holder to claim payment according to the amount specified in the negotiable instruments, including the right of claim and the right of recourse.
The term "obligations arising out of the negotiable instruments" used in this law refers to the obligations of the debtor to pay the amount specified in the negotiable instruments to the holder.

第四條【票據(jù)行為、票據(jù)權(quán)利與票據(jù)責(zé)任】票據(jù)出票人制作票據(jù)，應(yīng)當(dāng)按照法定條件在票據(jù)上簽章，并按照所記載的事項承擔(dān)票據(jù)責(zé)任。
持票人行使票據(jù)權(quán)利，應(yīng)當(dāng)按照法定程序在票據(jù)上簽章，并出示票據(jù)。
其他票據(jù)債務(wù)人在票據(jù)上簽章的，按照票據(jù)所記載的事項承擔(dān)票據(jù)責(zé)任。
本法所稱票據(jù)權(quán)利，是指持票人向票據(jù)債務(wù)人請求支付票據(jù)金額的權(quán)利，包括付款請求權(quán)和追索權(quán)。
本法所稱票據(jù)責(zé)任，是指票據(jù)債務(wù)人向持票人支付票據(jù)金額的義務(wù)。

Article 5 Parties to a negotiable instrument may entrust their agents to put their signatures or seals to the instruments and clearly indicate the agency relationship.
If a negotiable instrument bears the signature or seal in the name of an agent without the power of attorney, the obligations arising out of the negotiable instrument shall be performed by the person or persons who have put the signatures or seals to the negotiable instrument. If an agent has gone beyond the terms of his/her reference, he/she shall perform the obligations arising out of the negotiable instrument on the part that exceeds his/her term of reference.

第五條【票據(jù)代理】票據(jù)當(dāng)事人可以委托其代理人在票據(jù)上簽章，并應(yīng)當(dāng)在票據(jù)上表明其代理關(guān)系。
沒有代理權(quán)而以代理人名義在票據(jù)上簽章的，應(yīng)當(dāng)由簽章人承擔(dān)票據(jù)責(zé)任；代理人超越代理權(quán)限的，應(yīng)當(dāng)就其超越權(quán)限的部分承擔(dān)票據(jù)責(zé)任。

Article 6 If a negotiable instrument bears the signature or seal of a person who is incapable of civil acts or by a person whose civil acts have been restricted, the signature or the seal is invalid, but that shall not affect the validity of other signatures and seals on the same instrument.

第六條【非完全行為能力人蓋章的效力】無民事行為能力人或者限制民事行為能力人在票據(jù)上簽章的，其簽章無效，但是不影響其他簽章的效力。

Article 7 The signature and seal on a negotiable instrument mean the signature or seal or signature plus seal.
The signature and seal of a legal person and other unit using negotiable instruments shall be the seal of the legal person or unit plus the signature or seal of the legal representative or its authorized agent.
The signature on a negotiable instrument shall be the true name of the person who signs it.

第七條【票據(jù)簽章】票據(jù)上的簽章，為簽名、蓋章或者簽名加蓋章。
法人和其他使用票據(jù)的單位在票據(jù)上的簽章，為該法人或者該單位的蓋章加其法定代表人或者其授權(quán)的代理人的簽章。
在票據(jù)上的簽名，應(yīng)當(dāng)為該當(dāng)事人的本名。

Article 8 The amount of a negotiable instrument shall be written in both Chinese characters and in numerals and the two shall tally. The negotiable instruments shall be invalid if the words and figures do not tally.

第八條【票據(jù)金額的記載】票據(jù)金額以中文大寫和數(shù)碼同時記載，二者必須一致，二者不一致的，票據(jù)無效。

Article 9 The items recorded in a negotiable instrument shall conform to the provisions of this law. The amount, date and name of the receiver shall not be altered. If they are altered, the negotiable instrument shall become invalid.
Other matters recorded in a negotiable instrument may be altered by the recorder and the alteration shall be certified by a signature or seal put on it by the original recorder.

第九條【票據(jù)的記載事項及其更改】票據(jù)上的記載事項必須符合本法的規(guī)定。
票據(jù)金額、日期、收款人名稱不得更改，更改的票據(jù)無效。
對票據(jù)上的其他記載事項，原記載人可以更改，更改時應(yīng)當(dāng)由原記載人簽章證明。

Article 10 The draft, acquisition and transfer of a negotiable instrument shall follow the principle of authenticity and creditability and be treated as a real act of trading or debt payment.
A negotiable instrument shall be acquired against a corresponding price, that is, the price acknowledged by both parties to a negotiable instrument.

第十條【票據(jù)與其基礎(chǔ)關(guān)系】票據(jù)的簽發(fā)、取得和轉(zhuǎn)讓，應(yīng)當(dāng)遵循誠實信用的原則，具有真實的交易關(guān)系和債權(quán)債務(wù)關(guān)系。
票據(jù)的取得，必須給付對價，即應(yīng)當(dāng)給付票據(jù)雙方當(dāng)事人認(rèn)可的相對應(yīng)的代價。

Article 11 If a negotiable instrument is obtained free of charge according to law due to taxation, inheritance and donation, it is not restricted by the corresponding price rule. But the rights to the instrument enjoyed shall not be superior than those enjoyed by the prior holder.
The prior holder refers to a debtor who puts his/her signature or seal to the negotiable instruments before they are acquired by the present signer or holder.

第十一條【無對價的票據(jù)取得】因稅收、繼承、贈與可以依法無償取得票據(jù)的，不受給付對價的限制。但是，所享有的票據(jù)權(quán)利不得優(yōu)于其前手的權(quán)利。
前手是指在票據(jù)簽章人或者持票人之前簽章的其他票據(jù)債務(wù)人。

Article 12 In the case of obtaining a negotiable instrument by deception, theft or coercion or obtaining a negotiable instrument which has been knowingly obtained by deception, theft or coercion out of ulterior motives, the holder shall not enjoy the rights arising out of the negotiable instruments.
A holder who has obtained the negotiable instruments not conformable to the provisions of this law due to major errors shall not enjoy the rights arising from the negotiable instruments either,

第十二條【惡意或重大過失取得票據(jù)的效力】以欺詐、偷盜或者脅迫等手段取得票據(jù)的，或者明知有前列情形，出于惡意取得票據(jù)的，不得享有票據(jù)權(quán)利。
持票人因重大過失取得不符合本法規(guī)定的票據(jù)的，也不得享有票據(jù)權(quán)利。

Article 13 Negotiable instruments debtors shall not protest against the holder by using the ground of protesting against the drawer or the prior holder, except when the holder has obtained the negotiable instruments with the clear knowledge of the ground for protest.
Negotiable instruments debtors may protest against the holders who have direct debtor-creditor relationship but refuse to perform their agreed obligations.
The term "protest" used in this law refers to the act of the negotiable instruments debtors to refuse to perform obligations to the creditors according to the provisions of this law.

第十三條【票據(jù)抗辯】票據(jù)債務(wù)人不得以自己與出票人或者與持票人的前手之間的抗辯事由，對抗持票人。但是，持票人明知存在抗辯事由而取得票據(jù)的除外。
票據(jù)債務(wù)人可以對不履行約定義務(wù)的與自己有直接債權(quán)債務(wù)關(guān)系的持票人，進行抗辯。
本法所稱抗辯，是指票據(jù)債務(wù)人根據(jù)本法規(guī)定對票據(jù)債權(quán)人拒絕履行義務(wù)的行為。

Article 14 Matters recorded on the negotiable instruments shall be true to the facts. Forging or alteration is not allowed. Those who forge or alter the signatures or seals or other items recorded on the negotiable instruments shall bear the legal responsibility.
The forged or altered signatures or seals do not affect the validity of the true signatures or seals on the same negotiable instruments.
If any item recorded on the negotiable instruments has been altered, the person who signs the instrument before the alteration shall be responsible for the matters originally recorded. The person who signs the instruments after the alteration shall be responsible for the matters recorded after the alterations. If it is impossible to tell whether the signatures or seals are made before or after the alteration, they are regarded as being made before the alterations.

第十四條【票據(jù)的偽造和變造】票據(jù)上的記載事項應(yīng)當(dāng)真實，不得偽造、變造。偽造、變造票據(jù)上的簽章和其他記載事項的，應(yīng)當(dāng)承擔(dān)法律責(zé)任。
票據(jù)上有偽造、變造的簽章的，不影響票據(jù)上其他真實簽章的效力。
票據(jù)上其他記載事項被變造的，在變造之前簽章的人，對原記載事項負(fù)責(zé)；在變造之后簽章的人，對變造之后的記載事項負(fù)責(zé)；不能辨別是在票據(jù)被變造之前或者之后簽章的，視同在變造之前簽章。

Article 15 In the case of loss of a negotiable instrument, the person who loses it may timely notify the payer of the negotiable instrument to refuse payment on the lost instrument, except in the cases in which the payer is not recorded or it is impossible to determine the payee and the agency payer.
The payer shall suspend payment after receiving the notice for suspending payment due to lost instrument.
Owner of the lost negotiable instrument shall, within three days of issuing the notice for suspending payment due to lost instrument, or immediately after the negotiable instrument is lost, apply for public summons with the people's court or indict with the people's court.

第十五條【票據(jù)喪失及其救濟】票據(jù)喪失，失票人可以及時通知票據(jù)的付款人掛失止付，但是，未記載付款人或者無法確定付款人及其代理付款人的票據(jù)除外。
收到掛失止付通知的付款人，應(yīng)當(dāng)暫停支付。
失票人應(yīng)當(dāng)在通知掛失止付后三日內(nèi)，也可以在票據(jù)喪失后，依法向人民法院申請公示催告，或者向人民法院提起訴訟。

Article 16 The exercising of the rights arising from the negotiable instruments on instrument debtors or the right for the protection of the negotiable instrument shall be conducted at the business sites and during the business hours of the parties to the negotiable instruments and, if the parties to the negotiable instruments have no business sites, it shall be conducted in their residences.

第十六條【票據(jù)權(quán)利的行使與保全】持票人對票據(jù)債務(wù)人行使票據(jù)權(quán)利，或者保全票據(jù)權(quán)利，應(yīng)當(dāng)在票據(jù)當(dāng)事人的營業(yè)場所和營業(yè)時間內(nèi)進行，票據(jù)當(dāng)事人無營業(yè)場所的，應(yīng)當(dāng)在其住所進行。

Article 17 The rights to the negotiable instruments shall be deceased if they are not exercised within the following time limits:

第十七條【票據(jù)時效】票據(jù)權(quán)利在下列期限內(nèi)不行使而消滅：

1. In two years from the time of the maturity of the negotiable instruments for the right of the holder to the drawer and acceptor, that is, in two years for bills and notes payable at sight;

（一）持票人對票據(jù)的出票人和承兌人的權(quán)利，自票據(jù)到期日起二年。見票即付的匯票、本票，自出票日起二年；

2. In six months after date of draft for the right of the holder to the drawer;

（二）持票人對支票出票人的權(quán)利，自出票日起六個月；

3. In six months after the date of non-acceptance or dishonour for the right of recourse of the holder to the prior holder;

（三）持票人對前手的追索權(quán)，自被拒絕承兌或者被拒絕付款之日起六個月；

4. In three months after the date of liquidation or the date of indictment for the right of re-recourse.
The date of draft and the due date shall be fixed by parties to the negotiable instruments according to law.

（四）持票人對前手的再追索權(quán)，自清償日或者被提起訴訟之日起三個月。
票據(jù)的出票日、到期日由票據(jù)當(dāng)事人依法確定。

Article 18 Holders who have lost the right to the negotiable instruments due to the expiry of the validity period for the exercise of the rights to the negotiable instruments or due to the inadequacy of the recordings on the negotiable instruments still enjoy the civil rights and may request the drawers or acceptors to return the interests in the equal amount specified in the negotiable instruments unpaid.

第十八條【票據(jù)的利益返還請求權(quán)】持票人因超過票據(jù)權(quán)利時效或者因票據(jù)記載事項欠缺而喪失票據(jù)權(quán)利的，仍享有民事權(quán)利，可以請求出票人或者承兌人返還其與未支付的票據(jù)金額相當(dāng)?shù)睦妗?/p>

CHAPTER TWO DRAFTS

第二章　匯票

SECTION ONE DRAWING OF DRAFTS

第一節(jié)　出票

Article 19 A draft is a bill signed by the drawer, requiring the entrusted payer to make unconditional payment in the fixed amount at the sight of the bill or at a fixed date to the payee or the holder.
Drafts include bank drafts and commercial drafts.

第十九條【匯票的定義和種類】匯票是出票人簽發(fā)的，委托付款人在見票時或者在指定日期無條件支付確定的金額給收款人或者持票人的票據(jù)。
匯票分為銀行匯票和商業(yè)匯票。

Article 20 The drawing of a draft refers to the act of a drawer to sign and deliver the draft to the payee.

第二十條【出票】出票是指出票人簽發(fā)票據(jù)并將其交付給收款人的票據(jù)行為。

Article 21 The drawer of a draft shall have real authorized payment relations with the payees and have reliable sources of fund to pay the draft amount.
It is forbidden to sign drafts without corresponding prices for the purpose of acquiring funds from banks or other parties to the negotiable instrument by deception.

第二十一條【出票行為的有效條件】匯票的出票人必須與付款人具有真實的委托付款關(guān)系，并且具有支付匯票金額的可靠資金來源。
不得簽發(fā)無對價的匯票用以騙取銀行或者其他票據(jù)當(dāng)事人的資金。

Article 22 A draft shall bear the following items:

第二十二條【匯票的絕對應(yīng)記載事項及其效力】匯票必須記載下列事項：

1. Chinese characters denoting "draft";

（一）表明“匯票”的字樣；

2. Commission on unconditional payment;

（二）無條件支付的委托；

3. The amount of money fixed;

（三）確定的金額；

4. Name of the payer;

（四）付款人名稱；

5. Name of the payee;

（五）收款人名稱；

6. Date of draft;

（六）出票日期；

7. Signature of the drawer.
A draft in lack of one of the items listed above is invalid.

（七）出票人簽章。
匯票上未記載前款規(guī)定事項之一的，匯票無效。

Article 23 The date of payment, place of payment and place of draft recorded on the draft shall be clear and definite.
If a draft does not bear the date of payment, it is a draft payable at sight.
If a draft does not bear the place of payment, the place of payment shall be the business site or the residence of the payer or the place where the payer often lives.
If a draft does not bear the place of draft, the place of draft shall be taken as the business site or residence of the drawer or the place where the drawer often lives.

第二十三條【匯票的相對應(yīng)記載事項及其效力】匯票上記載付款日期、付款地、出票地等事項的，應(yīng)當(dāng)清楚、明確。
匯票上未記載付款日期的，為見票即付。
匯票上未記載付款地的，付款人的營業(yè)場所、住所或者經(jīng)常居住地為付款地。
匯票上未記載出票地的，出票人的營業(yè)場所、住所或者經(jīng)常居住地為出票地。

Article 24 Items other than those provided for by this law may be recorded on a draft, but such items do not have the draft effect.

第二十四條【不具票據(jù)法上效力的記載事項及其效力】匯票上可以記載本法規(guī)定事項以外的其他出票事項，但是該記載事項不具有匯票上的效力。

Article 25 The date of payment may be recorded in one of the following forms:

第二十五條【付款日期的記載】付款日期可以按照下列形式之一記載：

1. Payable at sight;

（一）見票即付；

2. Dated payment;

（二）定日付款；

3. Payable at a fixed date after draft;

（三）出票后定期付款；

4. Payable at a fixed date after sight.
The date of payment provided for in the preceding paragraph is the due date of the draft.

（四）見票后定期付款。
前款規(guī)定的付款日期為匯票到期日。

Article 26 After signing the draft, the drawer shall bear the responsibility of ensuring the acceptance and payment of the draft. If a drawer has failed to get the draft accepted or paid, the drawer shall undertake to pay the amount and expenses provided for in Article 70 and Article 71 of this law.

第二十六條【匯票出票的效力】出票人簽發(fā)匯票后，即承擔(dān)保證該匯票承兌和付款的責(zé)任。出票人在匯票得不到承兌或者付款時，應(yīng)當(dāng)向持票人清償本法第七十條、第七十一條規(guī)定的金額和費用。

SECTION TWO ENDORSEMENT

第二節(jié)　背書

Article 27 The holder of a draft may transfer the rights arising out of the draft or authorize others to exercise some of the rights.
If the drawer writes the Chinese characters meaning "Not Transferable" on a draft, the draft shall not be transferred.
In exercising the rights provided for in the first paragraph, the holder shall endorse it and deliver the draft.
"Endorsement" refers to a record of items concerned on the backside of a draft or on the allonge to the draft with a signature or seal put to the record.

第二十七條【匯票權(quán)利轉(zhuǎn)讓】持票人可以將匯票權(quán)利轉(zhuǎn)讓給他人或者將一定的匯票權(quán)利授予他人行使。
出票人在匯票上記載“不得轉(zhuǎn)讓”字樣的，匯票不得轉(zhuǎn)讓。
持票人行使第一款規(guī)定的權(quán)利時，應(yīng)當(dāng)背書并交付匯票。
背書是指在票據(jù)背面或者粘單上記載有關(guān)事項并簽章的票據(jù)行為。

Article 28 If the draft instrument has not enough space to satisfy the needs of writing, an allonge may be attached.
The first person who writes on the allonge shall put his/her signature or seal to the sticking line of the allonge.

第二十八條【粘單】票據(jù)憑證不能滿足背書人記載事項的需要，可以加附粘單，粘附于票據(jù)憑證上。
粘單上的第一記載人，應(yīng)當(dāng)在匯票和粘單的粘接處簽章。

Article 29 An endorsement shall be signed by the endorser, with the date of endorsement.
An endorsement without date shall be regarded as an endorsement before the due date.

第二十九條【背書的記載事項】背書由背書人簽章并記載背書日期。
背書未記載日期的，視為在匯票到期日前背書。

Article 30 If a draft is endorsed over to another person entirely or in part, the draft shall bear the name of the endorser.

第三十條【記名背書】匯票以背書轉(zhuǎn)讓或者以背書將一定的匯票權(quán)利授予他人行使時，必須記載被背書人名稱。

Article 31 In endorsing over a draft to others, the endorsement shall be in uninterrupted series. The holder shall prove the rights arising out of the draft by the uninterrupted series of endorsement. If a draft is not endorsed over to another person, the holder shall put to the proof the right on the draft according to law.
The term "uninterrupted series" used in the preceding paragraph refers to the sequential consistency in the signatures or seals by the endorser and the endorsee in the transfer of negotiable instruments.

第三十一條【背書的連續(xù)】以背書轉(zhuǎn)讓的匯票，背書應(yīng)當(dāng)連續(xù)。持票人以背書的連續(xù)，證明其匯票權(quán)利；非經(jīng)背書轉(zhuǎn)讓，而以其他合法方式取得匯票的，依法舉證，證明其匯票權(quán)利。
前款所稱背書連續(xù)，是指在票據(jù)轉(zhuǎn)讓中，轉(zhuǎn)讓匯票的背書人與受讓匯票的被背書人在匯票上的簽章依次前后銜接。

Article 32 In endorsing a draft to others, the subsequent endorser shall be responsible for the authenticity of the endorsement by the immediate prior endorser.
The subsequent endorser refers to the other debtors involved in the draft signed after the signer of the draft.

第三十二條【后手及其責(zé)任】以背書轉(zhuǎn)讓的匯票，后手應(yīng)當(dāng)對其直接前手背書的真實性負(fù)責(zé)。
后手是指在票據(jù)簽章人之后簽章的其他票據(jù)債務(wù)人。

Article 33 An endorsement shall not have conditions attached, If an endorsement has conditions attached, the conditions do not have the effect on the draft.
The endorsement which transfers part or all the amount on the draft to two or more persons is invalid.

第三十三條【附條件背書、部分背書、分別背書的效力】背書不得附有條件。背書時附有條件的，所附條件不具有匯票上的效力。
將匯票金額的一部分轉(zhuǎn)讓的背書或者將匯票金額分別轉(zhuǎn)讓給二人以上的背書無效。

Article 34 If an endorser writes the words "Not Transferable" on a draft and the draft is transferred by the subsequent endorser, the original endorser shall not bear the liability of guarantee to the subsequent endorsee.

第三十四條【背書人的禁止背書及其效力】背書人在匯票上記載“不得轉(zhuǎn)讓”字樣，其后手再背書轉(zhuǎn)讓的，原背書人對后手的被背書人不承擔(dān)保證責(zé)任。

Article 35 If an endorsement has the word "Collection", the endorsee has the right to exercise the rights to the draft commissioned on behalf of the endorser. But the endorsee shall not endorse over a draft to others.
A draft may be mortgaged. In mortgaging a draft, the word "Hypothecation" shall be written in the form of endorsement. When the endorses has acquired the hypothecation according to law, the endorsee may exercise the rights to the draft.

第三十五條【委托收款背書和質(zhì)押背書及其效力】背書記載“委托收款”字樣的，被背書人有權(quán)代背書人行使被委托的匯票權(quán)利。但是，被背書人不得再以背書轉(zhuǎn)讓匯票權(quán)利。
匯票可以設(shè)定質(zhì)押；質(zhì)押時應(yīng)當(dāng)以背書記載“質(zhì)押”字樣。被背書人依法實現(xiàn)其質(zhì)權(quán)時，可以行使匯票權(quán)利。

Article 36 A draft shall not be endorsed over to others when it has been refused to pay or accepted or the time of payment as indicated is overdue. If such a draft is endorsed over to others, the endorser shall bear the liability of the draft.

第三十六條【不得背書轉(zhuǎn)讓的情形】匯票被拒絕承兌、被拒絕付款或者超過付款提示期限的，不得背書轉(zhuǎn)讓；背書轉(zhuǎn)讓的，背書人應(yīng)當(dāng)承擔(dān)匯票責(zé)任。

Article 37 After an endorser has endorsed over a draft to others, the endorser shall be liable to ensure the draft in the hands of the subsequent holder are accepted or paid. If an endorser cannot get the draft accepted or paid, the endorser shall undertake to claim payment in the amount of the draft plus expenses from the holder as provided in Article 70 and Article 71 of this law.

第三十七條【背書人義務(wù)】背書人以背書轉(zhuǎn)讓匯票后，即承擔(dān)保證其后手所持匯票承兌和付款的責(zé)任。背書人在匯票得不到承兌或者付款時，應(yīng)當(dāng)向持票人清償本法第七十條、第七十一條規(guī)定的金額和費用。

SECTION THREE ACCEPTANCE

第三節(jié)　承兌

Article 38 Acceptance refers to a promise of a draft payer to pay the actual amount of draft when the draft is due.

第三十八條【承兌的定義】承兌是指匯票付款人承諾在匯票到期日支付匯票金額的票據(jù)行為。

Article 39 For a draft payable at a fixed date or at fixed date set after the date of draft, the holder shall make presentation for acceptance to the payer before the due date of draft.
Presentation for acceptance refers to the act of the holder to present the draft and demand for the pledge of the payer to pay.

第三十九條【提示承兌及定時付款、出票后定期付款的匯票的提示承兌期間】定日付款或者出票后定期付款的匯票，持票人應(yīng)當(dāng)在匯票到期日前向付款人提示承兌。
提示承兌是指持票人向付款人出示匯票，并要求付款人承諾付款的行為。

Article 40 For a draft payable at a fixed date after sight, the holder shall make presentation for acceptance to the payer within one month starting from the date of draft.
If a holder has failed to make presentation for acceptance according to the prescribed time limit, that holder shall lose the right of recourse against the prior holder.
No presentation for acceptance is necessary for a draft payable at sight.

第四十條【見票后定期付款匯票的提示承兌期間及在提示承兌期間未提示承兌的效力】見票后定期付款的匯票，持票人應(yīng)當(dāng)自出票日起一個月內(nèi)向付款人提示承兌。
匯票未按照規(guī)定期限提示承兌的，持票人喪失對其前手的追索權(quán)。
見票即付的匯票無需提示承兌。

Article 41 A payer shall accept or refuse to accept a draft for which the presentation for acceptance has been made within three days after receiving the draft for which presentation for acceptance is made.
After receiving the draft for which presentation for acceptance is made, the payer shall sign an acknowledgment for receiving the draft. The acknowledgment shall specify the date of the presentation for acceptance and shall be signed.

第四十一條【付款人的承兌期間】付款人對向其提示承兌的匯票，應(yīng)當(dāng)自收到提示承兌的匯票之日起三日內(nèi)承兌或者拒絕承兌。
付款人收到持票人提示承兌的匯票時，應(yīng)當(dāng)向持票人簽發(fā)收到匯票的回單?；貑紊蠎?yīng)當(dāng)記明匯票提示承兌日期并簽章。

Article 42 In accepting a draft, the payer shall write "Accepted" across the face of the draft and the date of acceptance and fix the seal. For a draft payable at a fixed date after sight, the date of payment shall be recorded in acceptance.
If no date of acceptance is recorded on a draft, the last day of the time limit prescribed in the first paragraph of the preceding article shall be taken as the date of acceptance.

第四十二條【承兌的記載】付款人承兌匯票的，應(yīng)當(dāng)在匯票正面記載“承兌”字樣和承兌日期并簽章；見票后定期付款的匯票，應(yīng)當(dāng)在承兌時記載付款日期。
匯票上未記載承兌日期的，以前條第一款規(guī)定期限的最后一日為承兌日期。

Article 43 There shall be no conditions attached in accepting a draft. If there are conditions attached in acceptance, it shall be regarded as refusal of acceptance.

第四十三條【附條件承兌的效力】付款人承兌匯票，不得附有條件；承兌附有條件的，視為拒絕承兌。

Article 44 After accepting a draft, the payer shall be liable to pay when due.

第四十四條【承兌的效力】付款人承兌匯票后，應(yīng)當(dāng)承擔(dān)到期付款的責(zé)任。

SECTION FOUR GUARANTEE

第四節(jié)　保證

Article 45 A guarantor shall undertake the liabilities of guaranty for the debt involved in the draft. A guarantor shall be a person other than the debtor of the draft.

第四十五條【匯票保證及保證人的資格】匯票的債務(wù)可以由保證人承擔(dān)保證責(zé)任。
保證人由匯票債務(wù)人以外的他人擔(dān)當(dāng)。

Article 46 A guarantor shall record the following items on the draft or allonge:

第四十六條【匯票保證的記載事項和方法】保證人必須在匯票或者粘單上記載下列事項：

1. The word "Guarantee";

（一）表明“保證”的字樣；

2. Name and residence of the guarantor;

（二）保證人名稱和住所；

3. The name of the guarantor;

（三）被保證人的名稱；

4. Signature or seal of the guarantor.

（四）保證日期；

（五）保證人簽章。

Article 47 If a guarantor has failed to record item 3 of the preceding article on the draft or allonge, the acceptor shall be the guarantor of the accepted draft; the drawer shall be the guarantor for the draft not accepted.
If the guarantor has failed to record item 4 of the preceding article, the date of draft shall be the date of guaranty.

第四十七條【未載事項的推定】保證人在匯票或者粘單上未記載前條第（三）項的，已承兌的匯票，承兌人為被保證人；未承兌的匯票，出票人為被保證人。
保證人在匯票或者粘單上未記載前條第（四）項的，出票日期為保證日期。

Article 48 A guarantor shall guarantee that there are no conditions attached. If conditions have been attached, they shall not effect the liability of guaranty for the draft.

第四十八條【票據(jù)保證的限制】保證不得附有條件；附有條件的，不影響對匯票的保證責(zé)任。

Article 49 A guarantor shall undertake the liability of guaranty for the right to the draft enjoyed by the holder who has acquired the draft according to law, except cases when the debt guaranteed has become invalid due to inadequate recording in the draft.

第四十九條【票據(jù)保證人的票據(jù)責(zé)任】保證人對合法取得匯票的持票人所享有的匯票權(quán)利，承擔(dān)保證責(zé)任。但是，被保證人的債務(wù)因匯票記載事項欠缺而無效的除外。

Article 50 A guarantor shall undertake several liability together with the guaranteed for the draft under guarantee. If the draft is not paid when due, the holder has the right to demand the guarantor for payment and the guarantor shall pay the full amount.

第五十條【保證人和被保證人的連帶責(zé)任】被保證的匯票，保證人應(yīng)當(dāng)與被保證人對持票人承擔(dān)連帶責(zé)任。匯票到期后得不到付款的，持票人有權(quán)向保證人請求付款，保證人應(yīng)當(dāng)足額付款。

Article 51 If there are two or more guarantors, the guarantors shall undertake several liability.

第五十一條【共同保證人的連帶責(zé)任】保證人為二人以上的，保證人之間承擔(dān)連帶責(zé)任。

Article 52 After the draft debt is cleared, the guarantor may exercise the right of recourse of the holder against the guaranteed and the prior holder.

第五十二條【保證人的追索權(quán)】保證人清償匯票債務(wù)后，可以行使持票人對被保證人及其前手的追索權(quán)。

SECTION FIVE PAYMENT

第五節(jié)　付款

Article 53 A holder of a draft shall make presentation for payment according to the following time limits:

第五十三條【提示付款】持票人應(yīng)當(dāng)按照下列期限提示付款：

1. Presentation for payment shall be made to the payer within one month starting from the date of draft for a draft payable at sight;

（一）見票即付的匯票，自出票日起一個月內(nèi)向付款人提示付款；

2. Presentation for payment shall be made to the acceptor within 10 days starting from the due date for a draft payable at a fixed date or at a fixed date after the date of draft or at a fixed date after sight.
When the holder has failed to make presentation for payment within the time limited prescribed in the preceding paragraph and some explanations are made, the acceptor or payer shall continue to undertake the liability of payment to the holder.
If the presentation for payment is made through banks entrusted with collection or through negotiable instruments exchange system, it shall be regarded as presentation for payment made by the holder.

（二）定日付款、出票后定期付款或者見票后定期付款的匯票，自到期日起十日內(nèi)向承兌人提示付款。
持票人未按照前款規(guī)定期限提示付款的，在作出說明后，承兌人或者付款人仍應(yīng)當(dāng)繼續(xù)對持票人承擔(dān)付款責(zé)任。
通過委托收款銀行或者通過票據(jù)交換系統(tǒng)向付款人提示付款的，視同持票人提示付款。

Article 54 If a holder presents for payment according to the provisions of the preceding article, the payer shall pay in the full amount of the draft on the same day.

第五十四條【付款人即時足額付款的義務(wù)】持票人依照前條規(guī)定提示付款的，付款人必須在當(dāng)日足額付款。

Article 55 If a holder has got the payment, the holder shall sign the draft and hand the draft to the payer. If a holder has entrusted a bank for the collection, the bank entrusted shall enter into the account of the holder the amount of the draft collected and that shall be regarded as signed and accepted.

第五十五條【持票人的簽收】持票人獲得付款的，應(yīng)當(dāng)在匯票上簽收，并將匯票交給付款人。持票人委托銀行收款的，受委托的銀行將代收的匯票金額轉(zhuǎn)賬收入持票人賬戶，視同簽收。

Article 56 The liabilities of a bank entrusted with collection by the holder are confined to transfer of the amount of the draft into the account of the holder according to the recordings on the draft.

第五十六條【受托收款銀行和受托付款銀行的責(zé)任】持票人委托的收款銀行的責(zé)任，限于按照匯票上記載事項將匯票金額轉(zhuǎn)入持票人賬戶。
付款人委托的付款銀行的責(zé)任，限于按照匯票上記載事項從付款人賬戶支付匯票金額。

Article 57 In making out payments, the payer or its entrusted payer shall examine the consistency of the endorsement and check the legal identification or valid documents of the person who makes presentation for payment.
If a payer or its entrusted payer makes the payment out of ulterior motives or out of major blunder, the payer or its entrusted payer shall bear the liabilities on their own.

第五十七條【付款人的審查義務(wù)及其過錯責(zé)任】付款人及其代理付款人付款時，應(yīng)當(dāng)審查匯票背書的連續(xù)，并審查提示付款人的合法身份證明或者有效證件。
付款人及其代理付款人以惡意或者有重大過失付款的，應(yīng)當(dāng)自行承擔(dān)責(zé)任。

Article 58 If a payer makes the payment before the due date for draft payable at a fixed date or at a fixed date after the date of draft or at a fixed date after sight, the payer shall bear the responsibilities arising therefrom on his own.

第五十八條【期前付款】對定日付款、出票后定期付款或者見票后定期付款的匯票，付款人在到期日前付款的，由付款人自行承擔(dān)所產(chǎn)生的責(zé)任。

Article 59 If the draft amount is specified in foreign currency, the payment shall be made in Renminbi according to the market exchange rate quoted on the day of payment.
If the parties to a draft have agreements concerning the currencies for payment, the provisions of the agreement shall apply.

第五十九條【付款的幣種】匯票金額為外幣的，按照付款日的市場匯價，以人民幣支付。
匯票當(dāng)事人對匯票支付的貨幣種類另有約定的，從其約定。

Article 60 After the payer has paid the draft amount in full, the liabilities of all debts shall be relieved.

第六十條【付款的效力】付款人依法足額付款后，全體匯票債務(wù)人的責(zé)任解除。

SECTION SIX RIGHT OF RECOURSE

第六節(jié)　追索權(quán)

Article 61 Upon a refusal of payment to a draft, the holder may exercise the right of recourse against the endorser, drawer or other debtors of the draft.
The holder may also exercise the right of recourse before the due day of a draft in one of the following cases:

第六十一條【追索權(quán)的發(fā)生】匯票到期被拒絕付款的，持票人可以對背書人、出票人以及匯票的其他債務(wù)人行使追索權(quán)。
匯票到期日前，有下列情形之一的，持票人也可以行使追索權(quán)：

1. The acceptance of a draft is refused;

（一）匯票被拒絕承兌的；

2. The acceptor or payer has died or fled or lived in hiding;

（二）承兌人或者付款人死亡、逃匿的；

3. The acceptor or payer has been declared bankrupt according to law or whose business operations have been suspended due to violations of the law.

（三）承兌人或者付款人被依法宣告破產(chǎn)的或者因違法被責(zé)令終止業(yè)務(wù)活動的。

Article 62 In exercising the right of recourse, the holder shall provide the certificates relating to the refusal of acceptance or dishonour.
In refusing the presentation for acceptance or for payment by the holder, the acceptor or payer shall produce certificates of dishonour or the statement on the ground for protest. If the acceptor or payer has failed to produce the certificate of dishonour or the statement on the ground for protest, the acceptor or payer shall bear all the civil responsibilities arising therefrom.

第六十二條【追索權(quán)的行使】持票人行使追索權(quán)時，應(yīng)當(dāng)提供被拒絕承兌或者被拒絕付款的有關(guān)證明。
持票人提示承兌或者提示付款被拒絕的，承兌人或者付款人必須出具拒絕證明，或者出具退票理由書。未出具拒絕證明或者退票理由書的，應(yīng)當(dāng)承擔(dān)由此產(chǎn)生的民事責(zé)任。

Article 63 If no certificate of dishonour can be obtained due to the death, flee or hiding of the acceptor or payer or other reasons, other related certificates may be obtained according to law.

第六十三條【拒絕證明的代替－其他有關(guān)證明】持票人因承兌人或者付款人死亡、逃匿或者其他原因，不能取得拒絕證明的，可以依法取得其他有關(guān)證明。

Article 64 If an acceptor or a payer has been declared bankrupt by the people's court according to law, the related judicial documents of the people's court have the effect of certifying the dishonour.
If an acceptor or a payer whose business operations have been suspended due to law violations, the related decisions on punishment by related administrative department in charge have the effect of certifying the dishonour.

第六十四條【拒絕證明的代替－法院司法文書、行政處罰決定】承兌人或者付款人被人民法院依法宣告破產(chǎn)的，人民法院的有關(guān)司法文書具有拒絕證明的效力。
承兌人或者付款人因違法被責(zé)令終止業(yè)務(wù)活動的，有關(guān)行政主管部門的處罰決定具有拒絕證明的效力。

Article 65 If a holder is unable to present certificates of dishonour, the statement on the ground for protest or provide other legal certificates within the prescribed time limit, the holder shall lose the right of recourse against the prior holder. But the acceptor or payer shall continue to undertake the liabilities to the holder.

第六十五條【追索權(quán)的喪失】持票人不能出示拒絕證明、退票理由書或者未按照規(guī)定期限提供其他合法證明的，喪失對其前手的追索權(quán)。但是，承兌人或者付款人仍應(yīng)當(dāng)對持票人承擔(dān)責(zé)任。

Article 66 A holder shall, within three days starting from the date of receiving the certificates relating to refusal of acceptance or dishonour, notify in writing the prior holder of the dishonour. The prior holder shall, within three days of receiving the notice, notify in writing the still preceding prior holder of the dishonour. The holder may also issue written notices to all the debtors of the draft all the same time.
The holder may continue to exercise the right of recourse even if notification is not made within the time limit prescribed in the preceding paragraph. If the holder has delayed the notification to the prior holder or drawer and caused losses thereby, the parties that have failed to make the notification within the prescribed time limit shall be liable to compensate for the losses, with the amount of compensation being the draft amount.
If the notice has been sent out according to the legal address or the addresses agreed upon within the prescribed time limit, the notification is regarded as having been issued.

第六十六條【拒絕事由的通知】持票人應(yīng)當(dāng)自收到被拒絕承兌或者被拒絕付款的有關(guān)證明之日起三日內(nèi)，將被拒絕事由書面通知其前手；其前手應(yīng)當(dāng)自收到通知之日起三日內(nèi)書面通知其再前手。持票人也可以同時向各匯票債務(wù)人發(fā)出書面通知。
未按照前款規(guī)定期限通知的，持票人仍可以行使追索權(quán)。因延期通知給其前手或者出票人造成損失的，由沒有按照規(guī)定期限通知的匯票當(dāng)事人，承擔(dān)對該損失的賠償責(zé)任，但是所賠償?shù)慕痤~以匯票金額為限。
在規(guī)定期限內(nèi)將通知按照法定地址或者約定的地址郵寄的，視為已經(jīng)發(fā)出通知。

Article 67 The written notice served according to the provisions of the first paragraph of the preceding article shall contain the main recordings of the draft and clearly indicates that the draft has been dishonoured.

第六十七條【拒絕事由通知的記載】依照前條第一款所作的書面通知，應(yīng)當(dāng)記明匯票的主要記載事項，并說明該匯票已被退票。

Article 68 The drawer, endorser, acceptor and guarantor shall bear several liabilities with regard to the holder.
A holder may exercise the right of recourse against one person or several persons or all the draft debtors in disregard of the sequential order of the debtors.
After a holder has exercised the right of recourse against one person or several persons involving in the draft, the holder may also exercise the right of recourse over others involved in the draft. The person against whom the right of recourse has been exercised will enjoy the same right as the holder after the debt has been cleared.

第六十八條【追索權(quán)的效力】匯票的出票人、背書人、承兌人和保證人對持票人承擔(dān)連帶責(zé)任。
持票人可以不按照匯票債務(wù)人的先后順序，對其中任何一人、數(shù)人或者全體行使追索權(quán)。
持票人對匯票債務(wù)人中的一人或者數(shù)人已經(jīng)進行追索的，對其他匯票債務(wù)人仍可以行使追索權(quán)。被追索人清償債務(wù)后，與持票人享有同一權(quán)利。

Article 69 In the case in which the holder is the drawer, the holder has no right of recourse to the prior holder. In the case in which the holder is the endorser, the holder has no right of recourse against the subsequent holders.

第六十九條【追索權(quán)的限制】持票人為出票人的，對其前手無追索權(quán)。持票人為背書人的，對其后手無追索權(quán)。

Article 70 In exercising the right of recourse, the holder may request the person subject to recourse to pay the following money and expenses:

第七十條【追索金額】持票人行使追索權(quán)，可以請求被追索人支付下列金額和費用：

1. The amount of the draft dishonoured;

（一）被拒絕付款的匯票金額；

2. The interests calculated according to the rate fixed by the People's Bank of China on the draft amount from the due date or the date of presentation for payment to the date of liquidation.

（二）匯票金額自到期日或者提示付款日起至清償日止，按照中國人民銀行規(guī)定的利率計算的利息；

3. The expenses incurred in obtaining the related certificates of dishonour and the issuing of notification.
When the person subject to recourse is clearing his debt, the holder shall deliver the draft and related certificates of dishonour and produce the receipts for the interests and expenses received.

（三）取得有關(guān)拒絕證明和發(fā)出通知書的費用。
被追索人清償債務(wù)時，持票人應(yīng)當(dāng)交出匯票和有關(guān)拒絕證明，并出具所收到利息和費用的收據(jù)。

Article 71 After debt clearance according to the provisions of the preceding article, the person against whom the right of recourse has been exercised may exercise the right of re-recourse against other draft debtors and request other debtors to pay the following amount and expenses:

第七十一條【再追索及再追索金額】被追索人依照前條規(guī)定清償后，可以向其他匯票債務(wù)人行使再追索權(quán)，請求其他匯票債務(wù)人支付下列金額和費用：

1. The complete amount cleared;

（一）已清償?shù)娜拷痤~；

2. The interests on the amount cleared calculated according to the rate fixed by the People's Bank of China from the date of liquidation to the date of liquidation for re-recourse.

（二）前項金額自清償日起至再追索清償日止，按照中國人民銀行規(guī)定的利率計算的利息；

3. Expenses on issuing notifications.
When the person who exercises the right of re-recourse is getting paid, that person shall deliver the draft and related certificates of dishonour and produce the receipts for the interests and expenses received.

（三）發(fā)出通知書的費用。
行使再追索權(quán)的被追索人獲得清償時，應(yīng)當(dāng)交出匯票和有關(guān)拒絕證明，并出具所收到利息和費用的收據(jù)。

Article 72 The liabilities of the person against whom the right of recourse shall be relieved after the debt has been liquidated according to the provisions of the preceding two articles.

第七十二條【有關(guān)追索人清償債務(wù)的效力】被追索人依照前二條規(guī)定清償債務(wù)后，其責(zé)任解除。

CHAPTER THREE PROMISSORY NOTES

第三章　本票

Article 73 A promissory note is an instrument written and issued by a drawer, promising to pay unconditionally a fixed amount of money to a payee or holder at the sight of the instrument.
The term "promissory note" used in this law refers to the bank note.

第七十三條【本票及其范圍】本票是出票人簽發(fā)的，承諾自己在見票時無條件支付確定的金額給收款人或者持票人的票據(jù)。
本法所稱本票，是指銀行本票。

Article 74 The drawer of a promissory note shall have a reliable source of funds for paying the amount of the promissory note and ensure payment.

第七十四條【出票人資格】本票的出票人必須具有支付本票金額的可靠資金來源，并保證支付。

Article 75 A promissory note shall record the following items:

第七十五條【本票的絕對應(yīng)記載事項】本票必須記載下列事項：

1. The characters indicating "Promissory Note",

（一）表明“本票”的字樣；

2. Unconditional promise to pay;

（二）無條件支付的承諾；

3. Amount of money fixed;

（三）確定的金額；

4. Name of the payee;

（四）收款人名稱；

5. Date of issue;

（五）出票日期；

6. Signature of the drawer.
A promissory note is invalid if one of the above items is missing.

（六）出票人簽章。
本票上未記載前款規(guī)定事項之一的，本票無效。

Article 76 The place of payment, the place of issue and other items recorded on the promissory note shall be clear and definite.
If the instrument does not bear the place of payment, the business site of the issuer shall be taken as the place of payment.
If the instrument does not bear the place of issue, the business site of the issuer shall be taken as the place of issue.

第七十六條【本票的相應(yīng)記載事項】本票上記載付款地、出票地等事項的，應(yīng)當(dāng)清楚、明確。
本票上未記載付款地的，出票人的營業(yè)場所為付款地。
本票上未記載出票地的，出票人的營業(yè)場所為出票地。

Article 77 When the holder of a promissory note presents the instrument, the drawer shall be liable to pay.

第七十七條【見票的效力】本票的出票人在持票人提示見票時，必須承擔(dān)付款的責(zé)任。

Article 78 The maximum time limit of payment shall not exceed two months starting from the date of draft.

第七十八條【付款期限】本票自出票日起，付款期限最長不得超過二個月。

Article 79 If a holder has failed to present the instrument according to the prescribed time limit, the holder shall lose the right of recourse against the prior holders other than the drawer.

第七十九條【逾期提示見票的法律后果】本票的持票人未按照規(guī)定期限提示見票的，喪失對出票人以外的前手的追索權(quán)。

Article 80 The provisions on related draft in Chapter Two of this law shall apply with regard to the acts of endorsement, guaranty and payment and the exercise of the right of recourse, except otherwise provided for in this chapter.
The provisions on related draft in Article 24 of this law shall apply with regard to the act of draft, except otherwise provided for in this chapter.

第八十條【匯票有關(guān)規(guī)定對本票的準(zhǔn)用】本票的背書、保證、付款行為和追索權(quán)的行使，除本章規(guī)定外，適用本法第二章有關(guān)匯票的規(guī)定。
本票的出票行為，除本章規(guī)定外，適用本法第二十四條關(guān)于匯票的規(guī)定。

CHAPTER FOUR CHECKS

第四章　支票

Article 81 A check is an instrument issued by a drawer, at the sight of which the check deposit bank or other financial institutions unconditionally pay the fixed amount to the payee or holder.

第八十一條【支票的概念】支票是出票人簽發(fā)的，委托辦理支票存款業(yè)務(wù)的銀行或者其他金融機構(gòu)在見票時無條件支付確定的金額給收款人或者持票人的票據(jù)。

Article 82 In opening a check deposit account, an applicant shall use the true name and present the legal document that certifies his/her identification.
In opening a check deposit account and using checks, there must be a reliable creditability and a certain amount of money deposited in the bank.
In opening a check deposit account, an applicant shall leave samples of the signature or seal in the true name of the applicant.

第八十二條【支票存款帳戶的開立】開立支票存款賬戶，申請人必須使用其本名，并提交證明其身份的合法證件。
開立支票存款賬戶和領(lǐng)用支票，應(yīng)當(dāng)有可靠的資信，并存入一定的資金。
開立支票存款賬戶，申請人應(yīng)當(dāng)預(yù)留其本名的簽名式樣和印鑒。

Article 83 A check can be cashed or transferred into other accounts. For account transfer, a clear indication shall be made across the face of the check.
If checks are used especially for cashing, cash checks can be made separately. A cash check can only be used for cashing.
If checks are used especially for account transfer, transfer check can be made separately. Transfer checks can only be used in account transfer. Cashing is not allowed.

第八十三條【現(xiàn)金支票與轉(zhuǎn)帳支票】支票可以支取現(xiàn)金，也可以轉(zhuǎn)賬，用于轉(zhuǎn)賬時，應(yīng)當(dāng)在支票正面注明。
支票中專門用于支取現(xiàn)金的，可以另行制作現(xiàn)金支票，現(xiàn)金支票只能用于支取現(xiàn)金。
支票中專門用于轉(zhuǎn)賬的，可以另行制作轉(zhuǎn)賬支票，轉(zhuǎn)賬支票只能用于轉(zhuǎn)賬，不得支取現(xiàn)金。

Article 84 A check must record the following items:

第八十四條【支票的絕對應(yīng)記載事項】支票必須記載下列事項：

1. Characters denoting "Check",

（一）表明“支票”的字樣；

2. Commission to pay unconditionally;

（二）無條件支付的委托；

3. Amount fixed;

（三）確定的金額；

4. Name of the payee;

（四）付款人名稱；

5. Date of draft;

（五）出票日期；

6. Signature of the drawer.
A check shall be invalid if one of the above items is missing.

（六）出票人簽章。
支票上未記載前款規(guī)定事項之一的，支票無效。

Article 85 The amount on a check may be filled in afterwards by the holder with the authorization of the drawer. The check with the amount not filled in shall not be used.

第八十五條【支票金額的授權(quán)補記】支票上的金額可以由出票人授權(quán)補記，未補記前的支票，不得使用。

Article 86 If a check does not bear the name of the payee, it may be recorded afterwards with the authorization of the drawer.
If a check does not bear the place of payment, the business site of the payer shall be taken as the place of payment;
If a check does not bear the place of issue, the business site, residence of the drawer or the place where the drawer often lives shall be taken as the place of issue.
A drawer can record himself as the payee on a check.

第八十六條【收款人名稱的授權(quán)補記與支票的相對應(yīng)記載事項】支票上未記載收款人名稱的，經(jīng)出票人授權(quán)，可以補記。
支票上未記載付款地的，付款人的營業(yè)場所為付款地。
支票上未記載出票地的，出票人的營業(yè)場所、住所或者經(jīng)常居住地為出票地。
出票人可以在支票上記載自己為收款人。

Article 87 The amount of the check issued by the drawer shall not exceed the actual amount deposited by the payer at the time of payment.
If the amount of the check issued by the drawer has exceeded the actual amount deposited by the payer at the time of payment, the check is a dishonourable check, which is strictly forbidden.

第八十七條【支票資金關(guān)系與空頭支票的禁止】支票的出票人所簽發(fā)的支票金額不得超過其付款時在付款人處實有的存款金額。
出票人簽發(fā)的支票金額超過其付款時在付款人處實有的存款金額的，為空頭支票。禁止簽發(fā)空頭支票。

Article 88 The drawer shall not issue checks with the signature or seal that does not tally that submitted for counter-checking.

第八十八條【支票的簽章】支票的出票人不得簽發(fā)與其預(yù)留本名的簽名式樣或者印鑒不符的支票。

Article 89 A drawer shall undertake the liabilities to ensure the payment to the holder according to the amount of the check issued.
If the deposit of the drawer at the place of payee is enough to pay the full amount of the check, the payer shall pay the full amount on the day.

第八十九條【支票出票的效力】出票人必須按照簽發(fā)的支票金額承擔(dān)保證向該持票人付款的責(zé)任。
出票人在付款人處的存款足以支付支票金額時，付款人應(yīng)當(dāng)在當(dāng)日足額付款。

Article 90 A check is payable at sight and not date of payment shall be recorded. The record on the date of payment is invalid.

第九十條【支票的付款日期】支票限于見票即付，不得另行記載付款日期。另行記載付款日期的，該記載無效。

Article 91 The holder of a check shall make presentation for payment within ten days starting from the date of draft. The time limit on the presentation for payment shall be provided for by the People's Bank of China.
In the case when the time limit on the presentation for payment expires, the payer may refuse to pay. In the case when the payer refuses to pay, the drawer shall still bear the responsibility on the instrument to the holder.

第九十一條【提示付款期限】支票的持票人應(yīng)當(dāng)自出票日起十日內(nèi)提示付款；異地使用的支票，其提示付款的期限由中國人民銀行另行規(guī)定。
超過提示付款期限的，付款人可以不予付款；付款人不予付款的，出票人仍應(yīng)當(dāng)對持票人承擔(dān)票據(jù)責(zé)任。

Article 92 If a payer has paid the amount of a check, the payer shall no longer bear the liability for payment to the drawer and shall not bear the liability for payment to the holder, except the cases when payment is made out of ulterior motives or due to major blunder.

第九十二條【支票付款的效力】付款人依法支付支票金額的，對出票人不再承擔(dān)受委托付款的責(zé)任，對持票人不再承擔(dān)付款的責(zé)任。但是，付款人以惡意或者有重大過失付款的除外。

Article 93 The provisions on related draft in Chapter Two of this law shall apply with regard to the acts of endorsement and payment and the exercise of the right of recourse with regard to a check, except otherwise provided for in this chapter.
The provisions on related draft in Article 24 of this law shall apply with regard to the act of draft except otherwise provided for in this chapter.

第九十三條【匯票的有關(guān)規(guī)定對支票的準(zhǔn)用】支票的背書、付款行為和追索權(quán)的行使，除本章規(guī)定外，適用本法第二章有關(guān)匯票的規(guī)定。
支票的出票行為，除本章規(guī)定外，適用本法第二十四條、第二十六條關(guān)于匯票的規(guī)定。

CHAPTER FIVE APPLICATION OF LAW ON FOREIGN-RELATED NEGOTIABLE INSTRUMENTS

第五章　涉外票據(jù)的法律適用

Article 94 The application of law concerning foreign-related negotiable instruments shall follow the provisions of this chapter.
The term "foreign-related negotiable instruments" used in the preceding paragraph refers to instruments whose draft, endorsement, acceptance, guaranty or payment occur both within and outside the territory of the People's Republic of China.

第九十四條【涉外票據(jù)及其法律適用】涉外票據(jù)的法律適用，依照本章的規(guī)定確定。
前款所稱涉外票據(jù)，是指出票、背書、承兌、保證、付款等行為中，既有發(fā)生在中華人民共和國境內(nèi)又有發(fā)生在中華人民共和國境外的票據(jù)。

Article 95 In the case when the provisions of the international treaties to which the People's Republic of China is a signatory party or in which the People's Republic of China has joined differ from the provisions of this law, the provisions of the international treaties apply, except those articles on which the People's Republic of China has declared to have reservations.
For cases where there are no provisions in this law or in the international treaties to which the People's Republic of China is a signatory party or in which the People's Republic of China has joined, the common international practice shall apply.

第九十五條【國際條約和國際慣例的適用】中華人民共和國締結(jié)或者參加的國際條約同本法有不同規(guī)定的，適用國際條約的規(guī)定。但是，中華人民共和國聲明保留的條款除外。
本法和中華人民共和國締結(jié)或者參加的國際條約沒有規(guī)定的，可以適用國際慣例。

Article 96 For the capability of civil acts of debtors of negotiable instruments, the domestic law shall apply. In the case when a debtor is regarded as being incapable of civil act by the domestic law or whose civil act is restricted but the debtor is regarded as having the capability of civil act by the law of the place of act, the law of the place of act shall apply.

第九十六條【票據(jù)行為能力的準(zhǔn)據(jù)法】票據(jù)債務(wù)人的民事行為能力，適用其本國法律。
票據(jù)債務(wù)人的民事行為能力，依照其本國法律為無民事行為能力或者為限制民事行為能力而依照行為地法律為完全民事行為能力的，適用行為地法律。

Article 97 For recordings on the draft and promissory notes when drafting, the law of the place of draft shall apply.
For the recordings on the checks, the law of the place of issue shall apply. But the law of the place of payment may also apply if the parties concerned so agree.

第九十七條【票據(jù)形式的準(zhǔn)據(jù)法】匯票、本票出票時的記載事項，適用出票地法律。
支票出票時的記載事項，適用出票地法律，經(jīng)當(dāng)事人協(xié)議，也可以適用付款地法律。

Article 98 For acts of endorsement, acceptance, payment and guaranty for negotiable instruments, the law of the place of act shall apply.

第九十八條【票據(jù)行為的準(zhǔn)據(jù)法】票據(jù)的背書、承兌、付款和保證行為，適用行為地法律。

Article 99 For the time limit for exercising the right of recourse concerning negotiable instruments, the law of the place of draft shall apply.

第九十九條【票據(jù)追索行使期限的準(zhǔn)據(jù)法】票據(jù)追索權(quán)的行使期限，適用出票地法律。

Article 100 For the time limit for presentation of negotiable instruments, the method of certificates of dishonour and the time limit for producing certificates of dishonour, the law of the place of payment shall apply.

第一百條【票據(jù)權(quán)利保全的準(zhǔn)據(jù)法】票據(jù)的提示期限、有關(guān)拒絕證明的方式、出具拒絕證明的期限，適用付款地法律。

Article 101 For the procedures for applying for protection of negotiable instruments by a holder who has lost negotiable instruments, the law of the place of payment shall apply.

第一百零一條【票據(jù)權(quán)利保護的準(zhǔn)據(jù)法】票據(jù)喪失時，失票人請求保全票據(jù)權(quán)利的程序，適用付款地法律。

CHAPTER SIX LEGAL RESPONSIBILITIES

第六章　法律責(zé)任

Article 102 Criminal responsibility shall be affixed on one of the following acts of deception:

第一百零二條【票據(jù)欺詐行為的刑事責(zé)任】有下列票據(jù)欺詐行為之一的，依法追究刑事責(zé)任：

1. The act of forging or altering a negotiable instrument;

（一）偽造、變造票據(jù)的；

2. The act of deliberately using forged or altered negotiable instruments;

（二）故意使用偽造、變造的票據(jù)的；

3. The act of issuing dishonourable checks or deliberately issue checks whose signature or seal does not tally with the signature or seal in the true name pre-submitted for counter-checking.

（三）簽發(fā)空頭支票或者故意簽發(fā)與其預(yù)留的本名簽名式樣或者印鑒不符的支票，騙取財物的；

4. The act of issuing drafts or promissory notes without reliable sources of funds in order to obtain money by deception.

（四）簽發(fā)無可靠資金來源的匯票、本票，騙取資金的；

5. The act by the drawer of drafts or promissory notes to make false recordings at the time of draft in order to obtain property or money by deception.

（五）匯票、本票的出票人在出票時作虛假記載，騙取財物的；

6. The act of using negotiable instruments of others or deliberately use negotiable instruments overdue or voided in order to obtain property and money by deception; and

（六）冒用他人的票據(jù)，或者故意使用過期或者作廢的票據(jù)，騙取財物的；

7. A payer has committed one of the aforesaid acts in vicious collaboration with the drawer or holder.

（七）付款人同出票人、持票人惡意串通，實施前六項所列行為之一的。

Article 103 Administrative punishment shall be meted out according to the relevant State provisions on one of the aforesaid acts if the case is not serious enough to constitute a crime.

第一百零三條【票據(jù)欺詐行為的行政責(zé)任】有前條所列行為之一，情節(jié)輕微，不構(gòu)成犯罪的，依照國家有關(guān)規(guī)定給予行政處罰。

Article 104 A staff member of financial institutions shall be punished for accepting, paying or providing guarantee for negotiable instruments in violation of the provisions of this law due to dereliction of duty in his operations. If serious losses incur and the case is serious enough to constitute a crime, criminal responsibilities shall be affixed.
In cases when losses have been incurred on the parties to negotiable instruments due to the aforesaid acts by staff members of financial institutions, the financial institutions and persons directly responsible shall undertake the liabilities of compensation according to law.

第一百零四條【票據(jù)業(yè)務(wù)中玩忽職守的法律責(zé)任】金融機構(gòu)工作人員在票據(jù)業(yè)務(wù)中玩忽職守，對違反本法規(guī)定的票據(jù)予以承兌、付款或者保證的，給予處分；造成重大損失，構(gòu)成犯罪的，依法追究刑事責(zé)任。
由于金融機構(gòu)工作人員因前款行為給當(dāng)事人造成損失的，由該金融機構(gòu)和直接責(zé)任人員依法承擔(dān)賠償責(zé)任。

Article 105 In cases when the payer deliberately detain negotiable instruments payable at sight or negotiable instruments due in order to delay payment, the payer shall be fined and the person or persons directly responsible shall be punished by the financial administrative departments.
If losses incur to the holder or holders due to deliberate detainment of instruments and delay of payment on the part of the payer, the payer shall undertake the liabilities of compensation.

第一百零五條【付款人故意壓票的法律責(zé)任】票據(jù)的付款人對見票即付或者到期的票據(jù)，故意壓票，拖延支付的，由金融行政管理部門處以罰款，對直接責(zé)任人員給予處分。
票據(jù)的付款人故意壓票，拖延支付，給持票人造成損失的，依法承擔(dān)賠償責(zé)任。

Article 106 For acts other than those for which the liabilities of compensation shall be undertaken according to the provisions of this law that have caused losses to others, the person who has committed the acts shall undertake the civil responsibilities according to law.

第一百零六條【民事責(zé)任】依照本法規(guī)定承擔(dān)賠償責(zé)任以外的其他違反本法規(guī)定的行為，給他人造成損失的，應(yīng)當(dāng)依法承擔(dān)民事責(zé)任。

CHAPTER SEVEN SUPPLEMENTARY PROVISIONS

第七章　附則

Article 107 For the calculation of various time limits provided for by this law, the provisions on the time of calculation of the Civil Procedures Law shall apply.
For time limit calculated monthly, the calculation shall be made according to the corresponding date of the month due; in the absence of corresponding date, the last day of the month shall be taken as the due date.

第一百零七條【期限的計算】本法規(guī)定的各項期限的計算，適用民法通則關(guān)于計算期間的規(guī)定。
按月計算期限的，按到期月的對日計算；無對日的，月末日為到期日。

Article 108 The forms of draft, promissory note and check shall be unified.
The forms of the negotiable instruments and the method for the control of printing shall be provided for by the People's Bank of China.

第一百零八條【票據(jù)及其格式與印制】匯票、本票、支票的格式應(yīng)當(dāng)統(tǒng)一。
票據(jù)憑證的格式和印制管理辦法，由中國人民銀行規(guī)定。

Article 109 The specific methods of the administration of negotiable instruments shall be formulated by the People's Bank of China according to this law and submitted to the State Council for approval.

第一百零九條【實施辦法的制定】票據(jù)管理的具體實施辦法，由中國人民銀行依照本法制定，報國務(wù)院批準(zhǔn)后施行。

Article 110 The law shall come into force as of January 1, 1996.

第一百一十條【生效日期】本法自1996年1月1日起施行。