Negotiable Instruments Law of the People’s Republic of China (2004 Revision)

(Adopted at the 13th Session of the Standing Committee of the Eighth National People's Congress on May 10th, 1995; Revised at the 11th Session of the Standing Committee of the 10th National People's Congress of the People's Republic of China on August 28th, 2004)

(1995年5月10日第八屆全國(guó)人民代表大會(huì)常務(wù)委員會(huì)第十三次會(huì)議通過(guò)，根據(jù)2004年8月28日第十屆全國(guó)人民代表大會(huì)常務(wù)委員會(huì)第十一次會(huì)議《關(guān)于修改〈中華人民共和國(guó)票據(jù)法〉的決定》修正)

Contents 目錄

Chapter I General Provisions 第一章 總則

Chapter II Drafts 第二章 匯票

Section 1 Drawing of Drafts 第一節(jié) 出票

Section 2 Endorsement 第二節(jié) 背書(shū)

Section 3 Acceptance 第三節(jié) 承兌

Section 4 Guarantee 第四節(jié) 保證

Section 5 Payment 第五節(jié) 付款

Section 6 Right of Recourse 第六節(jié) 追索權(quán)

Chapter III Promissory Notes 第三章 本票

Chapter IV Checks 第四章 支票

Chapter V Application of Law on Foreign-related Negotiable Instruments

第五章 涉外票據(jù)的法律適用

Chapter VI Legal Responsibilities 第六章 法律責(zé)任

Chapter VII Supplementary Provisions 第七章 附則

Chapter I 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 involved in the negotiable instruments transaction activities, safeguarding the social and economic order and promoting the development of the socialist market economy.

第一條 為了規(guī)范票據(jù)行為，保障票據(jù)活動(dòng)中當(dāng)事人的合法權(quán)益，維護(hù)社會(huì)經(jīng)濟(jì)秩序，促進(jìn)社會(huì)主義市場(chǎng)經(jīng)濟(jì)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 在中華人民共和國(guó)境內(nèi)的票據(jù)活動(dòng)，適用本法。

The negotiable instruments as referred in this law include bills of exchange, promissory notes and checks.

本法所稱票據(jù)，是指匯票、本票和支票。

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

第三條 票據(jù)活動(dòng)應(yīng)當(dāng)遵守法律、行政法規(guī)，不得損害社會(huì)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 instrumentsin compliance with the items recorded on them.

第四條 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(xiàng)承擔(dān)票據(jù)責(zé)任。

In exercising the rights associated with 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.

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)。

Other debtors who have put their signatures or seals on the negotiable instruments shall assume the obligations in compliance with the items recorded on them.

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(xiàng)承擔(dān)票據(jù)責(zé)任。

The term "rights associated with 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.

本法所稱票據(jù)權(quán)利，是指持票人向票據(jù)債務(wù)人請(qǐng)求支付票據(jù)金額的權(quán)利，包括付款請(qǐng)求權(quán)和追索權(quán)。

The term "obligations associated with 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

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 their agency relationship.

第五條 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。

If a negotiable instrument bears the signature or seal in the name of an agent without the power of attorney, the obligations associated with 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 his/her attorneyship, he/she shall perform the obligations associated with the negotiable instrument on the part that exceeds his/her term of reference.

沒(méi)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 無(wú)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(wú)效，但是不影響其他簽章的效力。

Article 7 The signature/seal on a negotiable instrument mean signature or seal, or signature plus seal.

第六條 票據(jù)上的簽章，為簽名、蓋章或者簽名加蓋章。

The signature/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 their legal representative or their authorized agent.

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。

The signature on a negotiable instrument shall be the true name of the person who signs it. 　　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 with each other. The negotiable instruments shall be invalid if the words and figures do not tally.

第八條 票據(jù)金額以中文大寫(xiě)和數(shù)碼同時(shí)記載，二者必須一致，二者不一致的，票據(jù)無(wú)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 original 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)上的記載事項(xiàng)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(wú)效。對(duì)票據(jù)上的其他記載事項(xiàng)，原記載人可以更改，更改時(shí)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.

第十條 票據(jù)的簽發(fā)、取得和轉(zhuǎn)讓，應(yīng)當(dāng)遵循誠(chéng)實(shí)信用的原則，具有真實(shí)的交易關(guān)系和債權(quán)債務(wù)關(guān)系。

A negotiable instrument shall be acquired against a corresponding price, that is, the price acknowledged by both parties to a negotiable instrument.

票據(jù)的取得，必須給付對(duì)價(jià)，即應(yīng)當(dāng)給付票據(jù)雙方當(dāng)事人認(rèn)可的相對(duì)應(yīng)的代價(jià)。

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.

第十一條 因稅收、繼承、贈(zèng)與可以依法無(wú)償取得票據(jù)的，不受給付對(duì)價(jià)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。

The prior holder refers to a debtor who puts his/her signature or seal to the negotiable instruments before acquired by the present signer or holder.

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 malicious motives, the holder shall not enjoy the rights associated with the negotiable instruments.

第十二條 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。

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 associated with the negotiable instruments either,持票人因重大過(guò)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 The debtor for a negotiable instrument shall not protest against the holder on the ground of protesting against the drawer or the prior holder, except when the holder has obtained the negotiable instrument with the clear knowledge of the ground for protest.

第十三條 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(duì)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。

The debtor for a negotiable instrument may protest against the holder having direct debtor-creditor relationship with him/her but refusing to perform his/her agreed obligations.

票據(jù)債務(wù)人可以對(duì)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(jìn)行抗辯。

The term "protest" used in this law refers to the act of the debtor for a negotiable instrument s to refuse to perform obligations to the creditors according to the provisions of this law.

本法所稱抗辯，是指票據(jù)債務(wù)人根據(jù)本法規(guī)定對(duì)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 legal responsibilities.

第十四條 票據(jù)上的記載事項(xiàng)應(yīng)當(dāng)真實(shí)，不得偽造、變?cè)?。偽造、變?cè)炱睋?jù)上的簽章和其他記載事項(xiàng)的，應(yīng)當(dāng)承擔(dān)法律責(zé)任。

The forged or altered signatures or seals do not affect the validity of the true signatures or seals on the same negotiable instruments.

票據(jù)上有偽造、變?cè)斓暮炚碌?，不影響票?jù)上其他真實(shí)簽章的效力。

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.

票據(jù)上其他記載事項(xiàng)被變?cè)斓?，在變?cè)熘昂炚碌娜?，?duì)原記載事項(xiàng)負(fù)責(zé);在變?cè)熘蠛炚碌娜耍瑢?duì)變?cè)熘蟮挠涊d事項(xiàng)負(fù)責(zé);不能辨別是在票據(jù)被變?cè)熘盎蛘咧蠛炚碌?，視同在變?cè)熘昂炚隆?/span>

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. 第十五條 票據(jù)喪失，失票人可以及時(shí)通知票據(jù)的付款人掛失止付，但是，未記載付款人或者無(wú)法確定付款人及其代理付款人的票據(jù)除外。

The payer shall suspend payment after receiving the notice for suspending payment due to lost instrument.

收到掛失止付通知的付款人，應(yīng)當(dāng)暫停支付。

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.

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(qǐng)公示催告，或者向人民法院提起訴訟。

Article 16 The exercising of the rights associated with 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 持票人對(duì)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(yíng)業(yè)場(chǎng)所和營(yíng)業(yè)時(shí)間內(nèi)進(jìn)行，票據(jù)當(dāng)事人無(wú)營(yíng)業(yè)場(chǎng)所的，應(yīng)當(dāng)在其住所進(jìn)行。

Article 17 The rights to the negotiable instruments shall expire if not exercised within the following time limits:

第十七條 票據(jù)權(quán)利在下列期限內(nèi)不行使而消滅：

1. Within two years from the time of the maturity of the negotiable instruments for the right of the holder to the drawer and acceptor, or, within two years from the date of draft for bills and notes payable at sight;

(一)持票人對(duì)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(jiàn)票即付的匯票、本票，自出票日起二年;

2. Within six months from the date of draft for the right of the holder to the drawer;

(二)持票人對(duì)支票出票人的權(quán)利，自出票日起六個(gè)月;

3. Within six months from the date of non-acceptance or dishonor for the right of recourse of the holder to the prior holder;

(三)持票人對(duì)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(gè)月;

4. Within three months from the date of liquidation or the date of indictment for the right of re-recourse.

(四)持票人對(duì)前手的再追索權(quán)，自清償日或者被提起訴訟之日起三個(gè)月。

The date of draft and the due date shall be fixed by parties to the negotiable instruments according to law.

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 equal amount specified in the negotiable instruments unpaid.

第十八條 持票人因超過(guò)票據(jù)權(quán)利時(shí)效或者因票據(jù)記載事項(xiàng)欠缺而喪失票據(jù)權(quán)利的，仍享有民事權(quán)利，可以請(qǐng)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?/span>

Chapter II Drafts 第二章 匯票

Section 1 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 a fixed amount at the sight of the bill or on a fixed date to the payee or the holder.

第十九條 匯票是出票人簽發(fā)的，委托付款人在見(jiàn)票時(shí)或者在指定日期無(wú)條件支付確定的金額給收款人或者持票人的票據(jù)。

Drafts include bank drafts and commercial drafts. 　　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 payers and have reliable sources of fund to pay the draft amount.

第二十一條 匯票的出票人必須與付款人具有真實(shí)的委托付款關(guān)系，并且具有支付匯票金額的可靠資金來(lái)源。

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.

不得簽發(fā)無(wú)對(duì)價(jià)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 匯票必須記載下列事項(xiàng)：

1. Chinese characters denoting "draft"; 　　(一)表明“匯票”的字樣;

2. Commission on unconditional payment; (二)無(wú)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. 　　(七)出票人簽章。

A draft lacking one of the items listed above is invalid.

匯票上未記載前款規(guī)定事項(xiàng)之一的，匯票無(wú)效。

Article 23 The date of payment, place of payment and place of draft recorded on the draft shall be clear and definite.

第二十三條 匯票上記載付款日期、付款地、出票地等事項(xiàng)的，應(yīng)當(dāng)清楚、明確。

If a draft does not bear the date of payment, it is a draft payable at sight.

匯票上未記載付款日期的，為見(jiàn)票即付。

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.

匯票上未記載付款地的，付款人的營(yíng)業(yè)場(chǎng)所、住所或者經(jīng)常居住地為付款地。

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.

匯票上未記載出票地的，出票人的營(yíng)業(yè)場(chǎng)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 匯票上可以記載本法規(guī)定事項(xiàng)以外的其他出票事項(xiàng)，但是該記載事項(xiàng)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 付款日期可以按照下列形式之一記載：

1. Payable at sight; 　　(一)見(jiàn)票即付;

2. Dated payment; 　　(二)定日付款;

3. Payable on a fixed date after draft; 　　(三)出票后定期付款;

4. Payable on a fixed date after sight. 　　(四)見(jiàn)票后定期付款。

The date of payment provided for in the preceding paragraph is the due date of the draft.

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 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(shí)，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(fèi)用。

Section 2 Endorsement 第二節(jié) 背書(shū)

Article 27 The holder of a draft may transfer the rights associated with the draft or authorize others to exercise some of the rights.

第二十七條 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。

If the drawer writes the Chinese characters meaning "Not Transferable" on a draft, the draft shall not be transferred.

出票人在匯票上記載“不得轉(zhuǎn)讓”字樣的，匯票不得轉(zhuǎn)讓。

In exercising the rights provided for in the first paragraph, the holder shall endorse it and deliver the draft.

持票人行使第一款規(guī)定的權(quán)利時(shí)，應(yīng)當(dāng)背書(shū)并交付匯票。

"Endorsement" refers to the recording 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.

背書(shū)是指在票據(jù)背面或者粘單上記載有關(guān)事項(xiàng)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.

第二十八條 票據(jù)憑證不能滿足背書(shū)人記載事項(xiàng)的需要，可以加附粘單，粘附于票據(jù)憑證上。

The first person who writes on the allonge shall put his/her signature or seal to the sticking line of the allonge.

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.

第二十九條 背書(shū)由背書(shū)人簽章并記載背書(shū)日期。

An endorsement without date shall be regarded as an endorsement before the due date.

背書(shū)未記載日期的，視為在匯票到期日前背書(shū)。

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 匯票以背書(shū)轉(zhuǎn)讓或者以背書(shū)將一定的匯票權(quán)利授予他人行使時(shí)，必須記載被背書(shū)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 associated with the draft by an 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.

第三十一條 以背書(shū)轉(zhuǎn)讓的匯票，背書(shū)應(yīng)當(dāng)連續(xù)。持票人以背書(shū)的連續(xù)，證明其匯票權(quán)利;非經(jīng)背書(shū)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。

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.

前款所稱背書(shū)連續(xù)，是指在票據(jù)轉(zhuǎn)讓中，轉(zhuǎn)讓匯票的背書(shū)人與受讓匯票的被背書(shū)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.

第三十二條 以背書(shū)轉(zhuǎn)讓的匯票，后手應(yīng)當(dāng)對(duì)其直接前手背書(shū)的真實(shí)性負(fù)責(zé)。

The subsequent endorser refers to the other debtors involved in the draft signed after the signer of the draft.

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.

第三十三條 背書(shū)不得附有條件。背書(shū)時(shí)附有條件的，所附條件不具有匯票上的效力。

The endorsement which transfers part or the entire amount on the draft to two or more persons is invalid.

將匯票金額的一部分轉(zhuǎn)讓的背書(shū)或者將匯票金額分別轉(zhuǎn)讓給二人以上的背書(shū)無(wú)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(shū)人在匯票上記載“不得轉(zhuǎn)讓”字樣，其后手再背書(shū)轉(zhuǎn)讓的，原背書(shū)人對(duì)后手的被背書(shū)人不承擔(dān)保證責(zé)任。

Article 35 If an endorsement bears 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 re-endorse over a draft to others.

第三十五條 背書(shū)記載“委托收款”字樣的，被背書(shū)人有權(quán)代背書(shū)人行使被委托的匯票權(quán)利。但是，被背書(shū)人不得再以背書(shū)轉(zhuǎn)讓匯票權(quán)利。

A draft may be mortgaged. In mortgaging a draft, the word "Hypothecation" shall be written in the form of endorsement. When having acquired the hypothecation according to law, the endorsee may exercise the rights to the draft.

匯票可以設(shè)定質(zhì)押;質(zhì)押時(shí)應(yīng)當(dāng)以背書(shū)記載“質(zhì)押”字樣。被背書(shū)人依法實(shí)現(xiàn)其質(zhì)權(quán)時(shí)，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 匯票被拒絕承兌、被拒絕付款或者超過(guò)付款提示期限的，不得背書(shū)轉(zhuǎn)讓;背書(shū)轉(zhuǎn)讓的，背書(shū)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(shū)人以背書(shū)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(shū)人在匯票得不到承兌或者付款時(shí)，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(fèi)用。

Section 3 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 on a fixed date or on a fixed date set after the date of draft, the holder shall make presentation for acceptance to the payer before the due date of draft.

第三十九條 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。

Presentation for acceptance refers to the act of the holder to present the draft and demand for the pledge of the payer to pay.

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 on a fixed date after sight, the holder shall present it for acceptance to the payer within one month starting from the date of draft.

第四十條 見(jiàn)票后定期付款的匯票，持票人應(yīng)當(dāng)自出票日起一個(gè)月內(nèi)向付款人提示承兌。

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.

匯票未按照規(guī)定期限提示承兌的，持票人喪失對(duì)其前手的追索權(quán)。

No presentation for acceptance is necessary for a draft payable at sight.

見(jiàn)票即付的匯票無(wú)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.

第四十一條 付款人對(duì)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。

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.

付款人收到持票人提示承兌的匯票時(shí)，應(yīng)當(dāng)向持票人簽發(fā)收到匯票的回單。回單上應(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 on a fixed date after sight, the date of payment shall be recorded in acceptance.

第四十二條 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(jiàn)票后定期付款的匯票，應(yīng)當(dāng)在承兌時(shí)記載付款日期。

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.

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 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 the draft is due.

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

Section 4 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 some person other than the debtor of the draft.

第四十五條 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 保證人必須在匯票或者粘單上記載下列事項(xiàng)：

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. Name of the guaranteed party; 　　(三)被保證人的名稱;

4. The datel of the guarantor. 　　(四)保證日期;

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 guaranteed party of the accepted draft; and the drawer shall be the guaranteed party for the draft not accepted.

第四十七條 保證人在匯票或者粘單上未記載前條第(三)項(xiàng)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。

If the guarantor has failed to record item 4 of the preceding article, the date of draft shall be the date of guaranty.

保證人在匯票或者粘單上未記載前條第(四)項(xiàng)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 affect the liability of guaranty for the draft.

第四十八條 保證不得附有條件;附有條件的，不影響對(duì)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 保證人對(duì)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(xiàng)欠缺而無(wú)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 被保證的匯票，保證人應(yīng)當(dāng)與被保證人對(duì)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(qǐng)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 a joint and several liability.

第五十一條 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 保證人清償匯票債務(wù)后，可以行使持票人對(duì)被保證人及其前手的追索權(quán)。

Section 5 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 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(jiàn)票即付的匯票，自出票日起一個(gè)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 on a fixed date or on a fixed date after the date of draft or on a fixed date after sight.

(二)定日付款、出票后定期付款或者見(jiàn)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。

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.

持票人未按照前款規(guī)定期限提示付款的，在作出說(shuō)明后，承兌人或者付款人仍應(yīng)當(dāng)繼續(xù)對(duì)持票人承擔(dān)付款責(zé)任。

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.

通過(guò)委托收款銀行或者通過(guò)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 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 transferring of the amount of the draft into the account of the holder according to the recordings on the draft.

第五十六條 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(xiàng)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(xiàng)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.

第五十七條 付款人及其代理付款人付款時(shí)，應(yīng)當(dāng)審查匯票背書(shū)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。

If a payer or its entrusted payer makes the payment out of malicious motives or out of major blunder, the payer or its entrusted payer shall bear the liabilities on their own.

付款人及其代理付款人以惡意或者有重大過(guò)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 on a fixed date or on a fixed date after the date of draft or on a fixed date after sight, the payer shall bear the responsibilities arising there from on his own.

第五十八條 對(duì)定日付款、出票后定期付款或者見(jiàn)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.

第五十九條 匯票金額為外幣的，按照付款日的市場(chǎng)匯價(jià)，以人民幣支付。

If the parties to a draft have agreements concerning the currencies for payment, the provisions of the agreement shall apply.

匯票當(dāng)事人對(duì)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 付款人依法足額付款后，全體匯票債務(wù)人的責(zé)任解除。

Section 6 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.

第六十一條 匯票到期被拒絕付款的，持票人可以對(duì)背書(shū)人、出票人以及匯票的其他債務(wù)人行使追索權(quán)。

The holder may also exercise the right of recourse before the due day of a draft in one of the following cases:

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 is living 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(dòng)的。

Article 62 In exercising the right of recourse, the holder shall provide the certificates relating to the refusal of acceptance or dishonor.

第六十二條 持票人行使追索權(quán)時(shí)，應(yīng)當(dāng)提供被拒絕承兌或者被拒絕付款的有關(guān)證明。

In refusing the presentation for acceptance or for payment by the holder, the acceptor or payer shall produce certificates of dishonor or the statement on the ground for protest. If the acceptor or payer has failed to produce the certificate of dishonor or the statement on the ground for protest, the acceptor or payer shall bear all the civil responsibilities arising therefrom.

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(shū)。未出具拒絕證明或者退票理由書(shū)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 dishonor 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 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 dishonor. 第六十四條 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(shū)具有拒絕證明的效力。

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 dishonor.

承兌人或者付款人因違法被責(zé)令終止業(yè)務(wù)活動(dòng)的，有關(guān)行政主管部門(mén)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 dishonor, 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 持票人不能出示拒絕證明、退票理由書(shū)或者未按照規(guī)定期限提供其他合法證明的，喪失對(duì)其前手的追索權(quán)。但是，承兌人或者付款人仍應(yīng)當(dāng)對(duì)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 dishonor, notify in writing the prior holder of the dishonor. The prior holder shall, within three days of receiving the notice, notify in writing the still preceding prior holder of the dishonor. The holder may also issue written notices to all the debtors of the draft all the same time.

第六十六條 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(shū)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(shū)面通知其再前手。持票人也可以同時(shí)向各匯票債務(wù)人發(fā)出書(shū)面通知。

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.

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(méi)有按照規(guī)定期限通知的匯票當(dāng)事人，承擔(dān)對(duì)該損失的賠償責(zé)任，但是所賠償?shù)慕痤~以匯票金額為限。

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.

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 dishonored.

第六十七條 依照前條第一款所作的書(shū)面通知，應(yīng)當(dāng)記明匯票的主要記載事項(xiàng)，并說(shuō)明該匯票已被退票。

Article 68 The drawer, endorser, acceptor and guarantor shall bear a joint and several liability with regard to the holder.

第六十八條 匯票的出票人、背書(shū)人、承兌人和保證人對(duì)持票人承擔(dān)連帶責(zé)任。

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.

持票人可以不按照匯票債務(wù)人的先后順序，對(duì)其中任何一人、數(shù)人或者全體行使追索權(quán)。

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.

持票人對(duì)匯票債務(wù)人中的一人或者數(shù)人已經(jīng)進(jìn)行追索的，對(duì)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 持票人為出票人的，對(duì)其前手無(wú)追索權(quán)。持票人為背書(shū)人的，對(duì)其后手無(wú)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 持票人行使追索權(quán)，可以請(qǐng)求被追索人支付下列金額和費(fèi)用：

1. The amount of the draft dishonored; 　　(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(guó)人民銀行規(guī)定的利率計(jì)算的利息;

3. The expenses incurred in obtaining the related certificates of dishonor and the issuing of notification.

(三)取得有關(guān)拒絕證明和發(fā)出通知書(shū)的費(fèi)用。

When the person subject to recourse is clearing his debt, the holder shall deliver the draft and related certificates of dishonor and produce the receipts for the interests and expenses received.　被追索人清償債務(wù)時(shí)，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(fèi)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 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(qǐng)求其他匯票債務(wù)人支付下列金額和費(fèi)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(xiàng)金額自清償日起至再追索清償日止，按照中國(guó)人民銀行規(guī)定的利率計(jì)算的利息;

3. Expenses on issuing notifications. 　　(三)發(fā)出通知書(shū)的費(fèi)用。

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

行使再追索權(quán)的被追索人獲得清償時(shí)，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(fèi)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 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 III 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.

第七十三條 本票是出票人簽發(fā)的，承諾自己在見(jiàn)票時(shí)無(wú)條件支付確定的金額給收款人或者持票人的票據(jù)。

The term "promissory note" used in this law refers to the bank note.

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 本票的出票人必須具有支付本票金額的可靠資金來(lái)源，并保證支付。

Article 75 A promissory note shall record the following items:

第七十五條 本票必須記載下列事項(xiàng)：

1. The characters indicating "Promissory Note", 　(一)表明“本票”的字樣;

2. Unconditional promise to pay; 　　(二)無(wú)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. 　　(六)出票人簽章。

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

本票上未記載前款規(guī)定事項(xiàng)之一的，本票無(wú)效。

Article 76 The place of payment, the place of issue and other items recorded on the promissory note shall be clear and definite.

第七十六條 本票上記載付款地、出票地等事項(xiàng)的，應(yīng)當(dāng)清楚、明確。

If the instrument does not bear the place of payment, the business site of the issuer shall be taken as the place of payment.

本票上未記載付款地的，出票人的營(yíng)業(yè)場(chǎng)所為付款地。

If the instrument does not bear the place of issue, the business site of the issuer shall be taken as the place of issue.

本票上未記載出票地的，出票人的營(yíng)業(yè)場(chǎng)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 本票的出票人在持票人提示見(jiàn)票時(shí)，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 本票自出票日起，付款期限最長(zhǎng)不得超過(guò)二個(gè)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 本票的持票人未按照規(guī)定期限提示見(jiàn)票的，喪失對(duì)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.

第八十條 本票的背書(shū)、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。

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.

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 IV 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(jī)構(gòu)在見(jiàn)票時(shí)無(wú)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.

第八十二條 開(kāi)立支票存款賬戶，申請(qǐng)人必須使用其本名，并提交證明其身份的合法證件。

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.

開(kāi)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。

In opening a check deposit account, an applicant shall leave samples of the signature or seal in the true name of the applicant.

開(kāi)立支票存款賬戶，申請(qǐng)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.

第八十三條 支票可以支取現(xiàn)金，也可以轉(zhuǎn)賬，用于轉(zhuǎn)賬時(shí)，應(yīng)當(dāng)在支票正面注明。

If checks are used especially for cashing, cash checks can be made separately. A cash check can only be used for cashing.

支票中專門(mén)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。

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.

支票中專門(mén)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 支票必須記載下列事項(xiàng)：

1. Characters denoting "Check", 　　(一)表明“支票”的字樣;

2. Commission to pay unconditionally; 　　(二)無(wú)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. 　　(六)出票人簽章。

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

支票上未記載前款規(guī)定事項(xiàng)之一的，支票無(wú)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 支票上的金額可以由出票人授權(quán)補(bǔ)記，未補(bǔ)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.

第八十六條 支票上未記載收款人名稱的，經(jīng)出票人授權(quán)，可以補(bǔ)記。

If a check does not bear the place of payment, the business site of the payer shall be taken as the place of payment;

支票上未記載付款地的，付款人的營(yíng)業(yè)場(chǎng)所為付款地。

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.

支票上未記載出票地的，出票人的營(yíng)業(yè)場(chǎng)所、住所或者經(jīng)常居住地為出票地。

A drawer can record himself as the payee on a check. 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.

第八十七條 支票的出票人所簽發(fā)的支票金額不得超過(guò)其付款時(shí)在付款人處實(shí)有的存款金額。

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 dishonorable check, which is strictly forbidden. 　　出票人簽發(fā)的支票金額超過(guò)其付款時(shí)在付款人處實(shí)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.

第八十九條 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。

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.

出票人在付款人處的存款足以支付支票金額時(shí)，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 支票限于見(jiàn)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(wú)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.

第九十一條 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(guó)人民銀行另行規(guī)定。

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.

超過(guò)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(duì)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 付款人依法支付支票金額的，對(duì)出票人不再承擔(dān)受委托付款的責(zé)任，對(duì)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(guò)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.

第九十三條 支票的背書(shū)、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。

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.

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 V 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.

第九十四條 涉外票據(jù)的法律適用，依照本章的規(guī)定確定。

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.

前款所稱涉外票據(jù)，是指出票、背書(shū)、承兌、保證、付款等行為中，既有發(fā)生在中華人民共和國(guó)境內(nèi)又有發(fā)生在中華人民共和國(guó)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.

第九十五條 中華人民共和國(guó)締結(jié)或者參加的國(guó)際條約同本法有不同規(guī)定的，適用國(guó)際條約的規(guī)定。但是，中華人民共和國(guó)聲明保留的條款除外。

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.

本法和中華人民共和國(guó)締結(jié)或者參加的國(guó)際條約沒(méi)有規(guī)定的，可以適用國(guó)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)債務(wù)人的民事行為能力，適用其本國(guó)法律。 票據(jù)債務(wù)人的民事行為能力，依照其本國(guó)法律為無(wú)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.

第九十七條 匯票、本票出票時(shí)的記載事項(xiàng)，適用出票地法律。

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.

支票出票時(shí)的記載事項(xiàng)，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)的背書(shū)、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 dishonor and the time limit for producing certificates of dishonor, the law of the place of payment shall apply.

第一百條 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)喪失時(shí)，失票人請(qǐng)求保全票據(jù)權(quán)利的程序，適用付款地法律。

Chapter VI Legal Responsibilities 第六章 法律責(zé)任

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

第一百零二條 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?cè)炱睋?jù)的;

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

(二)故意使用偽造、變?cè)斓钠睋?jù)的;

3. The act of issuing dishonorable 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(cái)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(wú)可靠資金來(lái)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(shí)作虛假記載，騙取財(cái)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(guò)期或者作廢的票據(jù)，騙取財(cái)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(shí)施前六項(xiàng)所列行為之一的。

Article 103 Administrative punishments 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 有前條所列行為之一，情節(jié)輕微，不構(gòu)成犯罪的，依照國(guó)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.

第一百零四條 金融機(jī)構(gòu)工作人員在票據(jù)業(yè)務(wù)中玩忽職守，對(duì)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。

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.

由于金融機(jī)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(jī)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.

第一百零五條 票據(jù)的付款人對(duì)見(jiàn)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(mén)處以罰款，對(duì)直接責(zé)任人員給予處分。

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. 　　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 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 VII 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.

第一百零七條 本法規(guī)定的各項(xiàng)期限的計(jì)算，適用民法通則關(guān)于計(jì)算期間的規(guī)定。

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.

按月計(jì)算期限的，按到期月的對(duì)日計(jì)算;無(wú)對(duì)日的，月末日為到期日。

Article 108 The forms of draft, promissory note and check shall be unified.

第一百零八條 匯票、本票、支票的格式應(yīng)當(dāng)統(tǒng)一。

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.

票據(jù)憑證的格式和印制管理辦法，由中國(guó)人民銀行規(guī)定。

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

第一百零九條　票據(jù)管理的具體實(shí)施辦法，由中國(guó)人民銀行依照本法制定，報(bào)國(guó)務(wù)院批準(zhǔn)后施行。

Article 110 The law shall be implemented as of January 1st, 1996.

第一百一十條　本法自1996年1月1日起施行。