中華人民共和國票據(jù)法Law of the People's Republic of China on Negotiable Instruments

 

第一章 總則
General Provisions

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)主義市場經(jīng)濟(jì)的發(fā)展，制定本法。
Article 1 This Law is enacted to regulate acts involving negotiable instruments, protect the lawful rights and interests of parties engaged in activities involving negotiable instruments, maintain public and economic order and promote the development of the socialist market economy.

第二條 在中華人民共和國境內(nèi)的票據(jù)活動(dòng)，適用本法。
Article 2 This Law shall apply to activities, involving negotiable instruments, that are carried on within the territory of the People's Republic of China.

本法所稱票據(jù)，是指匯票、本票和支票。
The term "negotiable instrument" as used in this Law means bill of exchange, promissory note and cheque.

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 3 In activities involving negotiable instruments, people shall comply with law, and administrative rules and regulations and shall not jeopardize public interests.

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。
Article 4 When making a negotiable instrument, the drawer shall sign it pursuant to the requirements prescribed by law and shall be liable according to its tenor.

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)。
When exercising the rights on a negotiable instrument, the holder shall sign it according to legal procedures and present it.

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。
Other debtors signing the instrument shall be liable according to its tenor.

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 right on a negotiable instrument as used in this Law means the right of a holder to demand from the person liable for the negotiable instrument payment of the sum payable by the instrument, including the right of claim for payment and the right of recourse.

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)。
Liability on a negotiable instrument as used in this Law means the obligation of a debtor to pay the sum payable by the instrument to the holder.

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。
Article 5 A party to a negotiable instrument may authorize his agent to sign the instrument and the agency relationship shall be indicated thereon.

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。
A person who without authorization signs a negotiable instrument in the name of an agent shall be liable for the instrument. If an agent goes beyond the authorization, he shall be liable for the instrument to the extent where he exceeds the authorization.

第六條 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 6 If a person having no capacity or limited capacity for civil acts signs a negotiable instrument, the signature shall be null and void, but this shall not affect the effect of others' signatures.

第七條 票據(jù)上的簽章，為簽名、蓋章或者簽名加蓋章。
Article 7 The signature on a negotiable instrument means an autograph, a seal or an autograph accompanied by a seal.

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 put by a legal person or another entity issuing the negotiable instrument means the seal of the legal person or the entity accompanied by the signature of its legal representative or authorized agent.

在票據(jù)上的簽名，應(yīng)當(dāng)為該當(dāng)事人的本名。
The signature on a negotiable instrument shall be the true name of the party thereto.

第八條 票據(jù)金額以中文大寫和數(shù)碼同時(shí)記載，二者必須一致，二者不一致的，票據(jù)無效。
Article 8 The sum on a negotiable instrument shall be specified in both capital Chinese characters and numerical figures, the two must be exactly the same. Otherwise, the instrument shall be null and void.

第九條 票據(jù)上的記載事項(xiàng)必須符合本法的規(guī)定。
Article 9 The particulars specified on a negotiable instrument shall be in conformity with the provisions of this Law.

票據(jù)金額、日期、收款人名稱不得更改，更改的票據(jù)無效。
The sum, date and the name of the payee of a negotiable instrument shall not be altered. An instrument with any alteration is null and void.

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。
Other particulars on a negotiable instrument may be altered by the person who recorded them, but he shall verify the alterations by putting his signature thereto.

第十條 票據(jù)的簽發(fā)、取得和轉(zhuǎn)讓，應(yīng)當(dāng)遵循誠實(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。
Article 10 The issue, acquisition and negotiation of an instrument shall follow the principle of good faith and reflect the true relationship of transaction and between the creditor and the debtor.

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)。
A negotiable instrument shall be acquired by payment of consideration, that is, the price corresponding to what is agreed upon by the two parties to the instrument.

第十一條 因稅收、繼承、贈(zèng)與可以依法無償取得票據(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。
Article 11 Acquisition of a negotiable instrument through taxation, inheritance or donation which, according to law, may be realized without payment shall be exempted from payment of consideration. However, the holder's rights to the instrument shall not exceed those of his prior parties thereto.

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。
The term "prior parties" means other persons liable for a negotiable instrument who put their signatures thereon prior to the current signer or holder.

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。
Article 12 A person who acquires a negotiable instrument by means of fraud, theft, or coercion, or, with knowledge of the aforementioned situations, acquires the instrument out of ill intention shall have no right thereon.

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。
A holder who, by gross negligence, acquires a negotiable instrument that is not in conformity with the provisions of this Law, shall have no tight thereon, either.

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。
Article 13 A person liable for a negotiable instrument may not set up against the holder such defenses that are available as between himself and the drawer or between himself and the holder's prior party or parties, unless the current holder acquires the instrument with knowledge of the defenses.

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。
A person liable for a negotiable instrument may set up defenses against the holder who has a direct creditor - debtor relationship with him and does not perform the obligations agreed upon.

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。
"Defense" as used in this Law means refusal by a person liable for a negotiable instrument to perform his obligations to the creditor in accordance with the provisions of this Law.

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)臁�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。
Article 14 Particulars recorded on a negotiable instrument shall be truthful and shall not be forged or altered. Whoever forges or alters the signature or other particulars recorded on an instrument shall bear legal responsibility.

票據(jù)上有偽造、變?cè)斓暮炚碌模�不影響票�?jù)上其他真實(shí)簽章的效力。
A forged or altered signature on a negotiable instrument shall not affect the effect of other true signatures thereon.

票據(jù)上其他記載事項(xiàng)被變?cè)斓�，在變�(cè)熘�前簽章的人，�?duì)原記載事項(xiàng)負(fù)責(zé)；在變?cè)熘�后簽章的人，�?duì)變?cè)熘�后的記載事項(xiàng)負(fù)責(zé)；不能辨別是在票據(jù)被變?cè)熘�前或者之后簽章的，視同在變�(cè)熘�前簽章�?
Where other particulars recorded on a negotiable instrument have been altered, a signer thereto before the alteration is made shall be liable for the particulars originally recorded, a signer thereto after the alteration is made shall be liable for the altered particulars. Where it is hard to tell whether a signature is put before or after the alteration, it shall be deemed as one put before the alteration.

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法確定付款人及其代理付款人的票據(jù)除外。
Article 15 In the event a negotiable instrument is lost, the person losing it may promptly notify the drawee of the loss for the latter to stop payment thereof, unless no drawee is recorded on the instrument or it is hard to identify the drawee or his agent.

收到掛失止付通知的付款人，應(yīng)當(dāng)暫停支付。
The drawee who receives notice to stop payment of the lost instrument shall suspend its payment.

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。
The person who loses the instrument shall, within three days after serving the stop - payment notice or after losing the instrument, apply to a People's Court according to law for making this exigency known to the public or bring an action in a People's Court.

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)事人的營業(yè)場所和營業(yè)時(shí)間內(nèi)進(jìn)行，票據(jù)當(dāng)事人無營業(yè)場所的，應(yīng)當(dāng)在其住所進(jìn)行。
Article 16 To exercise or preserve his rights on a negotiable instrument against the person who is liable for the instrument, the holder shall do it on the business premises of the party concerned and within the business hours, or at his domicile in the absence of business premises.

第十七條 票據(jù)權(quán)利在下列期限內(nèi)不行使而消滅：
Article 17 The rights on a negotiable instrument lapse, unless exercised within the following time limits:

（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。見票即付的匯票、本票，自出票日起二年；
(1) two years from the date of maturity of the negotiable instrument for the holder against the drawer or acceptor; two years from the date of issue of a bill or a promissory note payable at sight for the holder against the drawer or acceptor;

（二）持票人對(duì)支票出票人的權(quán)利，自出票日起六個(gè)月；
(2) six months from the date of issue of a cheque for the holder against the drawer;

（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；
(3) six months from the date of non - acceptance or non - payment for the holder's right of recourse against the prior holders; or

（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。
(4) three months from the date of settlement or filing a lawsuit for the holder's right of re- recourse against the prior parties.

票據(jù)的出票日、到期日由票據(jù)當(dāng)事人依法確定。
The date of issue and the date of maturity of a negotiable instrument shall be determined by the parties thereto according to law.

第十八條 持票人因超過票據(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�益�?
Article 18 The holder of a negotiable instrument who forfeits his rights thereon by reason of limitation of time or defects in specified particulars on the instrument still has civil rights and he is entitled to demand the drawer or acceptor to make a refund equivalent to the sum in the instrument not yet paid.

第二章 匯票
Bills of Exchange

第一節(jié) 出票
Section 1 Issue

第十九條 匯票是出票人簽發(fā)的，委托付款人在見票時(shí)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)。
Article 19 A bill of exchange is a negotiable instrument, signed and issued by the drawer, who authorizes the drawee to pay unconditionally a sum certain in money to the payee or the holder at sight or on a specified date.

匯票分為銀行匯票和商業(yè)匯票。
Bills of exchange include banker's bills and commercial bills.

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 20 "Issue" means a drawer's signing of a bill of exchange and delivering of it to the payee.

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源。
Article 21 The drawer of a bill of exchange must maintain a bona fide relationship of entrusted payment with the drawee and have a reliable source of funds to pay the amount of sum on the bill.

不得簽發(fā)無對(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。
No one may sign and issue bills of exchange without consideration to defraud fund from a bank or other parties to the bills.

第二十二條 匯票必須記載下列事項(xiàng)：
Article 22 The following particulars shall be specified on a bill of exchange:

（一）表明“匯票”的字樣；
(1) words expressing it to be a bill of exchange;

（二）無條件支付的委托；
(2) an unconditional order to pay;

（三）確定的金額；
(3) a sum certain in money;

（四）付款人名稱；
(4) name of the drawee;

（五）收款人名稱；
(5) name of the payee;

（六）出票日期；
(6) date of issue; and

（七）出票人簽章。
(7) signature of the drawer.

匯票上未記載前款規(guī)定事項(xiàng)之一的，匯票無效。
A bill of exchange is void if any of the above - mentioned particulars is not specified thereon.

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。
Article 23 The date of payment, place of payment and place of issue, if specified on a bill of exchange, shall be legible and unambiguous.

匯票上未記載付款日期的，為見票即付。
If the date of payment is not specified on a bill of exchange, the bill is payable at sight.

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。
If the place of payment is not specified on a bill of exchange, the business premises, domicile or habitual residence of the drawee is the place of payment.

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。
If the place of issue is not specified on a bill of exchange, the business premises, domicile or habitual residence of the drawer is the place of issue.

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 24 Particulars relating to the issue of a bill of exchange other than those stipulated by this Law may be specified on a bill, however, such particulars shall have no effect on the bill.

第二十五條 付款日期可以按照下列形式之一記載：
Article 25 The date of payment may be specified in one of the following manners:

（一）見票即付；
(1) payable at sight

（二）定日付款；
(2) payable at a fixed date

（三）出票后定期付款；
(3) payable at a fixed period after the date of issue; or

（四）見票后定期付款。
(4) payable at a fixed period after sight.

前款規(guī)定的付款日期為匯票到期日。
The date of payment stipulated in the preceding paragraph is the date of maturity of a bill of exchange.

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。
Article 26 A drawer who signs and issues a bill shall bear the liability for guaranteeing the acceptance and payment of the bill. In the event the bill is not accepted or paid, the drawer shall pay off the sum and expenses, as stipulated in Articles 70 and 71 of this Law, to the holder of the bill.

第二節(jié) 背書
Section 2 Endorsement

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。
Article 27 A holder may transfer his rights on the bill of exchange to another person or authorize another to exercise certain part of the rights on the bill.

出票人在匯票上記載“不得轉(zhuǎn)讓”字樣的，匯票不得轉(zhuǎn)讓。
Where a drawer writes "non - negotiable" on a bill of exchange, the bill shall not be negotiated.

持票人行使第一款規(guī)定的權(quán)利時(shí)，應(yīng)當(dāng)背書并交付匯票。
A holder shall endorse and deliver the bill of exchange when exercising the rights stipulated in the first paragraph of the Article.

背書是指在票據(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。
"Endorsement" means the writing down of relevant particulars and signing on the back of a negotiable instrument or on an allonge.

第二十八條 票據(jù)憑證不能滿足背書人記載事項(xiàng)的需要，可以加附粘單，粘附于票據(jù)憑證上。
Article 28 Where more space on a negotiable instrument is needed by the endorser for making entries, the instrument may be extended by an allonge annexed to it.

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。
The first entry maker of the allonge shall sign on the abutting edge.

第二十九條 背書由背書人簽章并記載背書日期。
Article 29 An endorsement shall be signed and the date of endorsement specified by the endorser.

背書未記載日期的，視為在匯票到期日前背書。
An endorsement without a specified date is deemed to be made prior to the date of maturity.

第三十條 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(shí)，必須記載被背書人名稱。
Article 30 The name of endorsee shall be specified when a bill of exchange is endorsed to negotiate or when the exercise of certain part of the rights thereon is endorsed to another.

第三十一條 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。
Article 31 Where a bill of exchange is negotiated by endorsement, the endorsements shall be in succession. The holder shall prove his rights on the bill by an uninterrupted series of endorsements. A person who acquires a bill of exchange by lawful means other than endorsement shall provide evidence according to law to prove his rights thereon.

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。
The term "uninterrupted series of endorsements" as used in the preceding paragraph means that, in the course of negotiation of an instrument, the signature of each endorser negotiating the bill and that of the immediate prior endorsee acquiring the bill shall be the same person's.

第三十二條 以背書轉(zhuǎn)讓的匯票，后手應(yīng)當(dāng)對(duì)其直接前手背書的真實(shí)性負(fù)責(zé)。
Article 32 Where a bill of exchange is negotiated by endorsement, the subsequent party shall be liable for the authenticity of the endorsement of his immediate prior party.

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。
A subsequent party means a person liable for an instrument who puts his signature thereto after it is signed by another.

第三十三條 背書不得附有條件。背書時(shí)附有條件的，所附條件不具有匯票上的效力。
Article 33 No condition may be attached to the endorsement. Any conditions attached to the endorsement shall have no effect of a bill.

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。
An endorsement which transfers a part of the sum payable by the bill of exchange or separately transfers the sum payable by the bill to two or more endorsees shall be void.

第三十四條 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(duì)后手的被背書人不承擔(dān)保證責(zé)任。
Article 34 Where an endorser writes "non - negotiable" on a bill of exchange and his subsequent party negotiates it by endorsement, the endorser shall not bear responsibility for guaranty to the endorsee of the said subsequent party.

第三十五條 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。
Article 35 Where in an endorsement "by procuration" is written, the endorsee is entitled to exercise the mandated rights on the bill of exchange on the endorser's behalf. However, the endorsee may not negotiate the rights on the bill by endorsement.

匯票可以設(shè)定質(zhì)押；質(zhì)押時(shí)應(yīng)當(dāng)以背書記載“質(zhì)押”字樣。被背書人依法實(shí)現(xiàn)其質(zhì)權(quán)時(shí)，可以行使匯票權(quán)利。
A bill of exchange may be laid in pledge, provided that "value in pledge" is written in the endorsement when the bill is laid in pledge. The endorsee may exercise the rights on the bill when exercising his right of pledge according to law.

第三十六條 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 36 A bill of exchange may not be negotiated by endorsement, if it is not accepted or paid or if the time limit for presentment for payment expires. The endorser shall bear liability on the bill if it is negotiated in spite of all this.

第三十七條 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(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。
Article 37 An endorser is liable for guaranteeing the acceptance and payment of the bill of exchange held by his subsequent party after he negotiates the bill by endorsement. The endorser shall pay off the sum and expenses, as stipulated in Articles 70 and 71 of this Law, to the holder in case of non - acceptance or non - payment of the bill.

第三節(jié) 承兌
Section 3 Acceptance

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 38 "Acceptance" is the act of a drawee of a bill of exchange who promises to pay the sum on the bill at the maturity of the bill.

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。
Article 39 Where a bill of exchange is drawn payable at a fixed date or at a fixed period after the date of issue, the holder shall present the bill to the drawee for acceptance before the date of maturity.

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。
"Presentment for acceptance" is the act of a holder who presents the bill of exchange to the drawee and demands a promise of payment from the drawee.

第四十條 見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。
Article 40 Where a bill of exchange is drawn payable at a fixed period after sight, the holder thereof shall present the bill to the drawee for acceptance within one month after the date of issue.

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)。
Where a bill of exchange is not presented for acceptance within the prescribed period, the holder thereof shall lose the right of recourse against his prior parties.

見票即付的匯票無需提示承兌。
No presentment for acceptance is needed for a bill of exchange payable at sight.

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。
Article 41 In respect of a bill of exchange presented for acceptance, the drawee shall accept or refuse to accept it within three days after receipt of the bill.

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�；貑紊蠎�(yīng)當(dāng)記明匯票提示承兌日期并簽章。
On receiving a bill of exchange presented for acceptance by the holder, the drawee shall write out a receipt to the holder. The receipt shall specify the date of presentment for acceptance and shall be signed.

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；見票后定期付款的匯票，應(yīng)當(dāng)在承兌時(shí)記載付款日期。
Article 42 When accepting a bill of exchange, the drawee shall write "accepted" and the date of acceptance on the front of the bill and sign it. In the case of a bill of exchange payable at a fixed period after sight, the date of payment shall be recorded at the time 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。
.Where the date of acceptance is not specified on a bill of exchange, the last day of the period specified in the first paragraph of the preceding Article is the date 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 43 When accepting a bill of exchange, the drawee may not attach any conditions thereto. An acceptance to which a condition is attached is deemed non - acceptance.

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。
Article 44 After accepting a bill of exchange, the drawee shall bear the liability for paying the bill at its maturity.

第四節(jié) 保證
Section 4 Guaranty

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。
Article 45 The liability on a bill of exchange may be guaranteed by a guarantor.

保證人由匯票債務(wù)人以外的他人擔(dān)當(dāng)。
The guarantor shall be any person other than the one already liable for the bill.

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)：
Article 46 A guarantor must specify the following particulars on the bill of exchange or on an allonge:

（一）表明“保證”的字樣；
(1) the word "guaranteed";

（二）保證人名稱和住所；
(2) the name and domicile of the guarantor;

（三）被保證人的名稱；
(3) the name of the guarantee;

（四）保證日期；
(4) date of guaranty; and

（五）保證人簽章。
(5) signature of the guarantor.

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。
Article 47 Where the guarantor fails to specify Item (3) of the preceding Article on the bill of exchange or on the allonge, the acceptor is the guarantee for an accepted bill, and the drawer is the guarantee for a bill not yet accepted.

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。
Where the guarantor fails to specify Item (4) of the preceding Article on the bill of exchange or on the allonge, the date of issue is the date of guaranty.

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 48 No condition may be attached to a guaranty. A guaranty with conditions attached shall not affect the liability of guaranty on the bill of exchange.

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)欠缺而無效的除外。
Article 49 The guarantor shall be liable for guaranteeing the holder's rights on the bill of exchange which the holder acquires lawfully, except for where the guarantee's debt is invalid because the particulars specified on the bill are incomplete.

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 50 Where a bill of exchange is guaranteed, the guarantor shall, together with the guarantee, undertake joint and several liability to the holder thereof. Where payment is not made at the maturity of such bill, the holder is entitled to demand payment from the guarantor and the latter shall pay the bill in full.

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 51 Where there are two or more guarantors, they shall undertake joint and several liability.

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)。
Article 52 After the guarantor pays off the debt of the bill of exchange, the guarantor may exercise the right of recourse as enjoyed by the holder against the guarantee and his prior parties.

第五節(jié) 付款
Section 5 Payment

第五十三條 持票人應(yīng)當(dāng)按照下列期限提示付款：
Article 53 The holder shall present the bill of exchange for payment within the following time limits:

（一）見票即付的匯票，自出票日起一個(gè)月內(nèi)向付款人提示付款；
(1) one month after the date of issue for a bill payable at sight to be presented to the drawee; and

（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。
(2) ten days after the date of maturity for a bill payable at fixed date, at a fixed period after the date of issue or at a fixed period after sight to be presented to the acceptor.

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(duì)持票人承擔(dān)付款責(zé)任。
Where the holder fails to present the bill for payment within the prescribed period, the acceptor or drawee shall remain liable for the payment of the bill after the holder explains the situation.

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。
Presentment for payment made to the drawee through an authorized collecting bank or at a clearing system is deemed as presentment made by the holder.

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 54 The drawee shall pay the bill in full on the day when the holder presents the bill for payment in accordance with the provisions of the preceding Article.

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 55 The holder shall receipt the bill and surrender it to the drawee when he receives payment. Where a holder authorizes a bank to receive payment on his behalf, the bill is deemed as receipted when the authorized bank credits the collected sum to the holder's account.

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。
Article 56 The liability of the bank authorized by the holder to receive payment shall be limited to crediting the sum on the bill to the holder's account according to the particulars specified on the bill.

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。
The liability of the bank authorized by the drawee to make payment shall be limited to paying the sum on the bill from the drawee's account according to the particulars specified on the bill.

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。
Article 57 When paying a bill, the drawee or his agent shall examine the uninterruptedness of the series of endorsement and the lawful identity certificate or the valid certificate of the person presenting the bill

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。
The drawee or his agent who makes payment out of ill intention or with gross negligence shall bear liability on his own.

第五十八條 對(duì)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 58 Where the drawee makes payment before the date of maturity for a bill of exchange payable at a fixed date, at a fixed period after the date of issue, or at a fixed period after sight, the drawee shall bear the liability deriving therefrom on his own.

第五十九條 匯票金額為外幣的，按照付款日的市場匯價(jià)，以人民幣支付。
Article 59 When the sum on a bill of exchange is expressed in a foreign currency, the sum shall be paid in Renminbi according to the market exchange rate on the day of payment.

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。
Where the parties to a bill of exchange have agreed otherwise regarding the type of currency in payment, such agreement shall be complied with.

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。
Article 60 After the drawee pays the bill in full according to law, all persons liable for the bill of exchange are discharged from liabilities.

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

第六十一條 匯票到期被拒絕付款的，持票人可以對(duì)背書人、出票人以及匯票的其他債務(wù)人行使追索權(quán)。
Article 61 Where the payment of a bill of exchange is refused at the date of maturity, the holder may exercise the right of recourse against the endorsers, the drawer and other persons liable for the bill.

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)：
Prior to the date of maturity, the holder may also exercise the right of recourse under any of the following circumstances:

（一）匯票被拒絕承兌的；
(1) the bill is dishonored by non - acceptance;

（二）承兌人或者付款人死亡、逃匿的；
(2) the acceptor or the drawee has died or escaped; or

（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。
(3) the acceptor or the drawee is declared bankrupt according to law or is ordered to stop business activities for violation of law.

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。
Article 62 When exercising the right of recourse, the holder shall provide relevant evidence of non - acceptance or non - payment.

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。
Where the presentment for acceptance or the presentment for payment by the holder is rejected, the acceptor or the drawee must provide proof of dishonor or a statement on reasons for dishonor. The acceptor or the drawee, who does not provide proof of dishonor or a statement on reasons for dishonor, shall bear civil liabilities deriving therefrom.

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 63 Where the holder is unable to obtain proof of dishonor on account of the death or escape of the acceptor or the drawee or for other reasons, the holder may obtain other relevant evidence according to law.

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)司法文書具有拒絕證明的效力。
Article 64 Where an acceptor or a drawee is declared bankrupt by a People's Court in accordance with law, the relevant judicial documents of the People's court shall have the effect as proof of 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)行政主管部門的處罰決定具有拒絕證明的效力。
Where an acceptor or a drawee is ordered to stop business activities for violation of law, the decision on punishment made by a competent administrative department shall have the effect as proof of dishonor.

第六十五條 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(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 65 A holder who is unable to present proof of dishonor, a statement on reasons for dishonor or other lawful evidence within the prescribed period of time loses the right of recourse against his prior parties. However, the acceptor or the drawee shall remain liable to the holder.

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(shí)向各匯票債務(wù)人發(fā)出書面通知。
Article 66 The holder shall, within three days after receiving the relevant evidence of non - acceptance or non - payment, notify his prior parties in writing of the fact of dishonor; the said prior parties shall, within three days after receiving the notice, notify his prior parties about the matter. Or, the holder may simultaneously notify in writing all persons liable for the bill of exchange.

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(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。
In case of failure to do what is stipulated in the preceding paragraph, the holder may still exercise the right of recourse. Where losses are caused to the prior parties or the drawee by delayed notice, the party to the bill of exchange failing to notify the relevant parties within the prescribed time limit shall be liable for compensation of the losses, but the damages shall be limited to the sum payable by the bill.

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。
If a notice is mailed to a legal address or to an address agreed upon within the prescribed period of time, the notice is deemed to have been dispatched.

第六十七條 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(xiàng)，并說明該匯票已被退票。
Article 67 In the written notice made according to the first paragraph of the preceding Article the main particulars specified on the bill of exchange shall be recorded and the fact that the said bill has been returned shall clearly be stated.

第六十八條 匯票的出票人、背書人、承兌人和保證人對(duì)持票人承擔(dān)連帶責(zé)任。
Article 68 The drawer, endorser, acceptor and guarantor of a bill of exchange are jointly and severally liable to the holder.

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)。
The holder may exercise the right of recourse against any or several or all of the persons liable for the bill of exchange in disregard of the order of precedence.

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。
The holder, who has exercised the right of recourse against one or several of the persons liable for the bill of exchange, may still exercise the right of recourse against other persons liable for the bill. After clearing off the liabilities, the person against whom the right of recourse is exercised has the same right as the holder thereof.

第六十九條 持票人為出票人的，對(duì)其前手無追索權(quán)。持票人為背書人的，對(duì)其后手無追索權(quán)。
Article 69 Where the holder is the drawer, he has no right of recourse against the prior parties. Where the holder is an endorser, he has no right of recourse against the subsequent parties.

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：
Article 70 When exercising the right of recourse, the holder may demand the person against whom the right of recourse is exercised to pay the following sum and expenses:

（一）被拒絕付款的匯票金額；
(1) the sum payable by the bill of exchange dishonored;

（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(jì)算的利息；
(2) interest, calculated at the rate prescribed by the People's Bank of China, on the sum payable by the bill of exchange, from the date of maturity or from the date of presentment for payment to the date of payment; and

（三）取得有關(guān)拒絕證明和發(fā)出通知書的費(fèi)用。
(3) the expenses for obtaining relevant evidence of dishonor and for dispatching notices.

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)。
When the person against whom the right of recourse is exercised settles the liabilities, the holder shall surrender the bill of exchange together with the relevant evidence of dishonor and issue a receipt of interest and expenses paid.

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：
Article 71 When the person against whom the right of recourse is exercised has settled the debt in accordance with the provisions of the preceding Article, he may exercise the right of re - recourse against other persons liable for the bill of exchange and request them to pay the following sum and expenses:

（一）已清償?shù)娜�部金額；
(1) the entire sum he has paid;

（二）前項(xiàng)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(jì)算的利息；
(2) interest, calculated at the rate prescribed by the People's Bank of China, on the said sum from the day when he made the payment to the day when the said sum is reimbursed after seeking re - recourse; and

（三）發(fā)出通知書的費(fèi)用。
(3) the expenses for the dispatch of notices.

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)。
When the person who exercises the right of re - recourse is reimbursed, he shall surrender the bill of exchange and relevant evidence of dishonor and issue a receipt of interest and expenses paid.

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。
Article 72 When the person against whom the right of recourse is exercised has settled the debt according to the provisions of the preceding two Articles, he shall be discharged from liabilities.

第三章 本票
Promissory Notes

第七十三條 本票是出票人簽發(fā)的，承諾自己在見票時(shí)無條件支付確定的金額給收款人或者持票人的票據(jù)。
Article 73 A promissory note is a negotiable instrument signed and issued by the maker promising to pay unconditionally the payee or bearer a sum certain in money at sight.

本法所稱本票，是指銀行本票。
A promissory note as used in this Law means a banker's note.

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源，并保證支付。
Article 74 the maker of a promissory note shall possess a reliable source of funds to pay the sum of the note and guarantee its payment.

第七十五條 本票必須記載下列事項(xiàng)：
Article 76 The following particulars shall be specified on a promissory note:

（一）表明“本票”的字樣；
(1) words expressing it to be a promissory note;

（二）無條件支付的承諾；
(2) a promise of unconditional payment;

（三）確定的金額；
(3) a sum certain in money;

（四）收款人名稱；
(4) the business or personal name of the payee;

（五）出票日期；
(5) the date of issue; and

（六）出票人簽章。
(6) the signature of the maker.

本票上未記載前款規(guī)定事項(xiàng)之一的，本票無效。
A promissory note is invalid if any of the particulars mentioned in the preceding paragraph is not specified thereon.

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。
Article 76 Particulars such as the place of payment and the place of issue specified on a promissory note shall be legible and unambiguous.

本票上未記載付款地的，出票人的營業(yè)場所為付款地。
Where the place of payment is not specified on a promissory note, the business premises of the maker is the place of payment.

本票上未記載出票地的，出票人的營業(yè)場所為出票地。
Where the place of issue is not specified on a promissory note, the business premises of the maker is the place of issue.

第七十七條 本票的出票人在持票人提示見票時(shí)，必須承擔(dān)付款的責(zé)任。
Article 77 The maker of a promissory note shall bear the liability for payment when the bearer presents the note for visa.

第七十八條 本票自出票日起，付款期限最長不得超過二個(gè)月。
Article 78 The time limit for the payment of a promissory note shall not exceed two months from the date of issue.

第七十九條 本票的持票人未按照規(guī)定期限提示見票的，喪失對(duì)出票人以外的前手的追索權(quán)。
Article 79 The bearer of a promissory note loses the right of recourse against his prior parties other than the maker, if he fails to present the note for visa within the prescribed period of time.

第八十條 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。
Article 80 In addition to the provisions of this Chapter, the provisions of Chapter Ⅱof this Law regarding bills of exchange shall be applicable to endorsement, guaranty, payment and the exercise of the right of recourse in respect of promissory notes.

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。
In addition to the provisions of this Chapter, the provisions of Article 24 of this Law regarding bills of exchange shall be applicable to issue of promissory notes.

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)在見票時(shí)無條件支付確定的金額給收款人或者持票人的票據(jù)。
Article 81 A cheque is a negotiable instrument that is signed and issued by the drawer, who authorizes the bank or other financial institution handling check deposit to pay unconditionally a sum certain in money to the payer or the bearer at sight.

第八十二條 開立支票存款賬戶，申請(qǐng)人必須使用其本名，并提交證明其身份的合法證件。
Article 82 When opening a cheque account, the applicant must use the true personal or business name and submit legitimate document to prove the identity.

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。
When opening a cheque account and asking for cheque books, the applicant shall have reliable financial credebility and deposit a certain amount of money.

開立支票存款賬戶，申請(qǐng)人應(yīng)當(dāng)預(yù)留其本名的簽名式樣和印鑒。
When opening a cheque account, the applicant shall reserve a specimen of the signature of his true name and the seal.

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。
Article 83 A cheque may be cashed or transferred into another's account. If a cheque is transferred to another's account, this should be clearly indicated on the face of the cheque,

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。
A form of cash cheque may be specially designed and made to be paid only in cash and a cash cheque can only be cashed.

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。
A form of transfer cheque may be designed and made for cheques used to transfer account, A transfer cheque can only be transferred to another's account, and shall not be paid in cash.

第八十四條 支票必須記載下列事項(xiàng)：
Article 84 The following particulars shall be specified on a cheque:

（一）表明“支票”的字樣；
(1) the word expressing it to be a cheque;

（二）無條件支付的委托；
(2) an order of unconditional payment;

（三）確定的金額；
(3) a sum certain in money;

（四）付款人名稱；
(4) name of the drawee;

（五）出票日期；
(5) the date of issue; and

（六）出票人簽章。
(6) the signature of the drawer.

支票上未記載前款規(guī)定事項(xiàng)之一的，支票無效。
A cheque is null and void if any one of the particulars mentioned in the preceding paragraph is not specified thereon.

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 85 A cheque in which the sum is missing may be completed by the drawer's man-date. Such a cheque shall not be used before its completion.

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。
Article 86 A cheque n which the name of the payee is missing may be completed by the drawer's mandate,

支票上未記載付款地的，付款人的營業(yè)場所為付款地。
In case the place of payment is missing in cheque , the business premises of the drawee is the place of payment.

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。
In case the lace of issue is missing in a cheque, the business premises, domicile or habitual residence of the drawer is the place of issue.

出票人可以在支票上記載自己為收款人。
A drawer may specify himself on a cheque as the payee.

第八十七條 支票的出票人所簽發(fā)的支票金額不得超過其付款時(shí)在付款人處實(shí)有的存款金額。
Article 88 The sum specified on a cheque sighed and issued by the drawer shall not exceed the actual balance of the drawer's deposit in the paying bank at the time of payment.

出票人簽發(fā)的支票金額超過其付款時(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。
Where the sum specified on a cheque sighed and issued by the drawer exceeds the actual balance of the drawer's deposit in the paying bank at the time of payment , the cheque is a rubber cheque, The issue of a rubber cheque is prohibited.

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 88 A drawer may not sign and issue a cheque for which the signature or seal is not in consistency with the reserved specimen of signature or seal.

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。
Article 89 A drawer shall bear the liability for guaranteeing payment to a bearer the sum specified on the cheque signed and issued.

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。
Where the balance of the drawer's deposit in the paying bank is sufficient to pay the sum of the cheque, the drawee shall pay the cheque in full on the day of presentment.

第九十條 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 90 A cheque is payable at sight and the date of payment may ont be specified. A date of payment put on a cheque is invalid.

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人民銀行另行規(guī)定。
Article 91 A bearer shall present the cheque for payment within 10 days from the date of issue. The time limit for presentment for payment of a cheque used in a place other than the place of issue shall be prescribed separately by the People's Bank of China.

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(duì)持票人承擔(dān)票據(jù)責(zé)任。
After the expiration of the time limit prescribed for presentment for payment of a cheque, the drawee may choose not to pay the cheque. Where the cheque is dishonored, the drawer shall still bear the liability for the instrument to the bearer.

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失付款的除外。
Article 92 The drawee who has paid the sum of the cheque according to law shall no longer bear the liability as an authorized payer to the drawer or the liability for payment to the holder. except that the drawee made the payment out of ill intention or with gross negligence.

第九十三條 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。
Article 93 In addition to the provisions of Chapter of this Law regarding bills of exchange shall be applicable to endorsement, payment and the exercise of the right of recourse with regard to cheques.

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。
In addition to the provisions of this Chapter, the provisions of Articles 24 and 26 of this Law shall be applicable to issue of cheques.

第五章 涉外票據(jù)的法律適用
Application of Law to Negotiable Instruments Involving Foreign Elements

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。
Article 94 The application of law to negotiable instruments involving foreign elements is determined according to the provisions of this Chapter.

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)。
Negotiable instruments involving foreign elements as mentioned in the preceding paragraph refer to the instruments that are issued, or endorsed, or accepted, or guaranteed, or paid either within or outside, the territory of the People's Republic of China.

第九十五條 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。
Article 96 If any international treaty concluded or acceded to by the People's Republic of China contains provisions differing from those of this Law, the provisions of the international treaty shall apply; however, provisions on which the People's Republic of China has announced reservations shall excepted.

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。
International practices may be applied to matters for which no provisions are contained in this Law or in any international treaty concluded or acceded to by the People's republic of China.

第九十六條 票據(jù)債務(wù)人的民事行為能力，適用其本國法律。
Article 97 As regards the capacity for civil conduct of a person liable for a negotiable instrument, the law of his own country shall apply.

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。
Where a person liable for a negotiable instrument is regarded as one having civil disability or limited civil ability according to the law of his own country, but as one having full civil ability according to the law of the place of his conduct, the law of the place of his conduct 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。
Article 98 As regards the particular concerning the date for the issue of bills of exchange or promissory notes, the law of the place of issue shall apply.

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。
As regards the particular concerning the date for the issue of cheques, the law of the place of issue shall apply. However, the law of the place of payment may apply with the agreement of the parties to a cheque.

第九十八條 票據(jù)的背書、承兌、付款和保證行為，適用行為地法律。
Article 99 As regards the endorsement, acceptance, payment or guaranty in relation to negotiable instruments, the law of the place where it takes place 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 As regards the limitation of time for the exercise of the right of recourse, the law of the place of issue 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 As regards the limitation of time for the presentment of instrument, manner of proof of dishonor and the limitation of time for issue of proof of dishonor, 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。
Article 102 In the case of loss of a negotiable instrument, the law of the place of payment shall apply to the procedure for application by the person who lost the instrument for preservation of rights on the instrument.

第六章 法律責(zé)任
Legal Responsibility

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：
Article 103 Whoever commits any of the following acts of fraud in relation to negotiable instruments shall be investigated for criminal responsibility according to law:

（一）偽造、變?cè)炱睋?jù)的；
(1) forgery or alteration of instruments;

（二）故意使用偽造、變?cè)斓钠睋?jù)的；
(2) intentional use of forged or altered instruments;

（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；
(3) in order to defraud money or property, signing and issuing rubber cheques or intentionally signing and issuing cheques whereon the signature or seal is not in consistency with the reserved specimen of signature or seal;

（四）簽發(fā)無可靠資金來源的匯票、本票，騙取資金的；
(4) signing and issuing bills of exchange or promissory notes without a reliable source of funds to defraud money;

（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；
(5) in the capacity of a drawer, falsely specifying the particulars on a bill of exchange or promissory note at the time of issue to defraud money or property;

（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(cái)物的；
(6) fraudulently using another's instrument or intentionally using an overdue or canceled instrument to defraud money or property; or

（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。
(7) in the capacity of a drawer, committing any of the acts mentioned in the preceding six sub - paragraphs through ill - intentioned collusion with the drawer and/or holder.

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，依照國家有關(guān)規(guī)定給予行政處罰。
Article 104 Whoever commits an act mentioned in the preceding paragraph, if the case is minor and does not constitute a crime, shall be given administrative punishment in accordance with relevant State regulations.

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。
Article 105 Any staff member of a financial institution who, through neglect of his duty, accepts, pays or guarantees a negotiable instrument which is at variance with the provisions of this Law, shall be given administrative sanction; if his act causes heavy losses and thus constitutes a crime, he shall be investigated for criminal responsibility 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。
If losses are caused to the parties to the instrument as a result of the above - mentioned act committed by a staff member of a financial institution, the said institution and the person who is directly responsible shall be liable for the losses according to law.

第一百零五條 票據(jù)的付款人對(duì)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(duì)直接責(zé)任人員給予處分。
Article 106 If a drawer intentionally delays paying an instrument payable at sight or a matured instrument, the financial administrative department shall mete out a fine to the drawee and give administrative sanction to the person who is directly responsible.

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。
If losses are caused to the holder due to the intentionally delayed payment, the drawee shall be liable for the losses 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。
Article 107 Whoever commits an act in violation of the provisions of this Law, except acts for which the doer shall be liable for losses under this Law, and causes losses to others shall bear civil liability according to law.

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。
Article 108 As regards the calculation of all the time limits stipulated by this Law, the relevant provisions of the General Principles of the Civil Law on limitation of time shall apply.

按月計(jì)算期限的，按到期月的對(duì)日計(jì)算；無對(duì)日的，月末日為到期日。
When limitation of time is prescribed in months, it expires on the corresponding day of the month when the instrument matures. If there is no corresponding day, the time limit expires on the last day of the said month.

第一百零八條 匯票、本票、支票的格式應(yīng)當(dāng)統(tǒng)一。
Article 109 The forms of bills of exchange, promissory notes and cheques shall be unified.

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。
The forms and measures for administration of printing of negotiable instruments and relevant documents shall be prescribed by the People's Bank of China.

第一百零九條 票據(jù)管理的具體實(shí)施辦法，由中國人民銀行依照本法制定，報(bào)國務(wù)院批準(zhǔn)后施行。
Article 110 The People's Bank of China shall, in accordance with this Law, formulate specific measures for the administration of negotiable instruments, which shall go into eff, ect after being approved by the State Council.

第一百一十條 本法自１９９６年１月１日起施行。
Article 111 This Law shall come into force as of January 1,1996