法律文本

中华人民共和国票据法（2004修正）

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

主席令第二十二号

Presidential Decree No. 22

（1995年5月10日第八届全国人民代表大会常务委员会第十三次会议通过 根据2004年8月28日第十届全国人民代表大会常务委员会第十一次会议《关于修改〈中华人民共和国票据法〉的决定》修正）

(Adopted at the 13th Meeting of the Standing Committee of the Eighth National People's Congress on May 10, 1995, and amended according to the Decision on Amending the Negotiable Instruments Law of the People's Republic of China adopted at the 11th Meeting of the Standing Committee of the Tenth National People's Congress on August 28, 2004)

目录

Contents

  第一章 总则

Chapter 1 General Provisions

  第二章 汇票

Chapter 2 Bills of Exchange

    第一节 出票

Section 1 Issue

    第二节 背书

Section 2 endorsement

    第三节 承兑

Section 3 Acceptance

    第四节 保证

Section 4 Warranties

    第五节 付款

Section 5 Payment

    第六节 追索权

Section 6 Right of Recourse

  第三章 本票

Chapter 3 Promissory Notes

  第四章 支票

Chapter 4 Cheques

  第五章 涉外票据的法律适用

Chapter 5 Application of Law on Foreign-related Negotiable Instruments

  第六章 法律责任

Chapter 6 Legal Liabilities

  第七章 附则

Chapter 7 Supplementary Provisions

第一章 总则

Chapter 1 General Provisions

第一条   为了规范票据行为，保障票据活动中当事人的合法权益，维护社会经济秩序，促进社会主义市场经济的发展，制定本法。

Article 1. This Law is formulated in order to standardise negotiable instrument activities, to protect the legal rights and interests of parties to negotiable instrument activities, to safeguard social and economic order and to promote the development of the socialist market economy.

第二条   在中华人民共和国境内的票据活动，适用本法。

Article 2 This Law applies to all negotiable instrument transactions conducted within the territory of the People's Republic of China.

本法所称票据，是指汇票、本票和支票。

For the purposes of this Law, negotiable instruments shall refer to bills of exchange, promissory notes and cheques.

第三条   票据活动应当遵守法律、行政法规，不得损害社会公共利益。

Article 3 Activities concerning instruments shall abide by the laws and administrative regulations and shall not harm public interests.

第四条   票据出票人制作票据，应当按照法定条件在票据上签章，并按照所记载的事项承担票据责任。

Article 4 When creating an instrument, the issuer shall endorse it according to statutory conditions and bear liability for the instrument according to the items specified therein.

持票人行使票据权利，应当按照法定程序在票据上签章，并出示票据。

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

其他票据债务人在票据上签章的，按照票据所记载的事项承担票据责任。

Other debtors endorsing the instrument shall bear liability for the instrument according to the items specified therein.

本法所称票据权利，是指持票人向票据债务人请求支付票据金额的权利，包括付款请求权和追索权。

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.

本法所称票据责任，是指票据债务人向持票人支付票据金额的义务。

For the purposes of this Law, responsibility under a negotiable instrument shall refer to the obligation of the debtor to pay the negotiable instrument amount to the holder.

第五条   票据当事人可以委托其代理人在票据上签章，并应当在票据上表明其代理关系。

Article 5 A party to an instrument may authorize an agent to endorse the instrument but must specify the principal-agent relationship on the instrument.

没有代理权而以代理人名义在票据上签章的，应当由签章人承担票据责任；代理人超越代理权限的，应当就其超越权限的部分承担票据责任。

If a negotiable instrument bears the signature or seal in the name of an agent without the power of agency, the obligations associated with the negotiable instrument shall be performed by the person or persons who have put their signatures or seals to the negotiable instrument. If an agent has gone beyond his/her powers of agency, he/she shall undertake the obligations associated with the negotiable instrument on the part that exceeds his/her powers.

第六条   无民事行为能力人或者限制民事行为能力人在票据上签章的，其签章无效，但是不影响其他签章的效力。

Article 6. Where a negotiable instrument has been signed by a person with no capacity for civil acts or with limited capacity for civil acts, the signature shall be invalid. However, the validity of other signatures shall not be affected.

第七条   票据上的签章，为签名、盖章或者签名加盖章。

Article 7 The endorsement of an instrument shall be by signature, seal or both signature and seal.

法人和其他使用票据的单位在票据上的签章，为该法人或者该单位的盖章加其法定代表人或者其授权的代理人的签章。

The endorsement of an instrument by a legal person or other organization which makes use of instruments shall be the official seal of the legal person or organization accompanied by the endorsement of its legal representative or its authorized agent.

在票据上的签名，应当为该当事人的本名。

The signature on a negotiable instrument shall be the true name of the party thereto.

第八条   票据金额以中文大写和数码同时记载，二者必须一致，二者不一致的，票据无效。

Article 8 The sum on an instrument shall be specified in both Chinese characters and Arabic numerals; the two figures must be the same, if the two figures are not the same, the instrument shall be null and void.

第九条   票据上的记载事项必须符合本法的规定。

Article 9 Items specified in an instrument must conform to the provisions of this Law.

票据金额、日期、收款人名称不得更改，更改的票据无效。

The amount (s), date and name of the payee shall not be altered. If they are altered, the negotiable instrument shall not longer be valid.

对票据上的其他记载事项，原记载人可以更改，更改时应当由原记载人签章证明。

Other contents of a negotiable instrument may be altered by the persons who originally created them, with the alteration certified by means of their signature or stamp.

第十条   票据的签发、取得和转让，应当遵循诚实信用的原则，具有真实的交易关系和债权债务关系。

Article 10 The issue, acquisition and transfer of an instrument shall be made in good faith and shall constitute a real transaction and reflect the credit-debit relationship.

票据的取得，必须给付对价，即应当给付票据双方当事人认可的相对应的代价。

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

第十一条   因税收、继承、赠与可以依法无偿取得票据的，不受给付对价的限制。但是，所享有的票据权利不得优于其前手的权利。

Article 11 Acquisition of an instrument through taxation, inheritance or legacy which may be realized in accordance with law without payment, shall not be subject to being in consideration of payment. However, the holder's rights on the instrument shall not exceed those enjoyed by the prior holder.

前手是指在票据签章人或者持票人之前签章的其他票据债务人。

Prior parties shall refer to other debtors of an instrument who endorsed it prior to its endorsement by a specific signatory or bearer.

第十二条   以欺诈、偷盗或者胁迫等手段取得票据的，或者明知有前列情形，出于恶意取得票据的，不得享有票据权利。

Article 12 In cases where an instrument was acquired through fraudulence, theft or coercion, or in cases where the bearer acquired an instrument through malice while he knew well that the aforementioned circumstances existed, the bearer shall not enjoy the instrument right.

持票人因重大过失取得不符合本法规定的票据的，也不得享有票据权利。

If a holder obtains, by gross negligence, a negotiable instrument which does not comply with the provisions of this Law, he shall not enjoy the rights associated with the negotiable instrument.

第十三条   票据债务人不得以自己与出票人或者与持票人的前手之间的抗辩事由，对抗持票人。但是，持票人明知存在抗辩事由而取得票据的除外。

Article 13 A debtor of an instrument shall not oppose the bearer on the basis of a dispute between the drawer or prior parties to the bearer. However, this shall not include the case where the bearer acquired the instrument with knowledge of the existence of a defense.

票据债务人可以对不履行约定义务的与自己有直接债权债务关系的持票人，进行抗辩。

A debtor of an instrument may oppose a bearer who had a direct credit-debit relationship with him and did not perform the stipulated obligation.

本法所称抗辩，是指票据债务人根据本法规定对票据债权人拒绝履行义务的行为。

The term "protest" used in this law refers to the act of the debtor for a negotiable instrument in refusing to perform obligations to the creditor in accordance with the provisions of this law.

第十四条   票据上的记载事项应当真实，不得伪造、变造。伪造、变造票据上的签章和其他记载事项的，应当承担法律责任。

Article 14 Items specified in an instrument must be genuine and cannot be forged or altered. Whoever forges or alters the signature or other particulars recorded on an instrument shall bear legal responsibility.

票据上有伪造、变造的签章的，不影响票据上其他真实签章的效力。

Forged or altered signatures or seals do not affect the validity of the true signatures or seals on the negotiable instruments.

票据上其他记载事项被变造的，在变造之前签章的人，对原记载事项负责；在变造之后签章的人，对变造之后的记载事项负责；不能辨别是在票据被变造之前或者之后签章的，视同在变造之前签章。

Where other items in the instrument have been altered, persons who endorsed the instrument before it was altered shall be liable for the items originally specified in the instrument, persons who signed after it was altered shall be liable for the items specified after the instrument was altered. In cases where it cannot be determined whether the instrument was endorsed before or after it was altered, it shall be treated as an instrument which was endorsed before being altered.

第十五条   票据丧失，失票人可以及时通知票据的付款人挂失止付，但是，未记载付款人或者无法确定付款人及其代理付款人的票据除外。

Article 15 In the case where an instrument has been lost, the person who has lost the instrument may promptly notify the payer of the instrument to suspend payment, except in cases where the payer is not specified in the instrument or when the payer or his agent cannot be identified.

收到挂失止付通知的付款人，应当暂停支付。

The payer shall temporarily suspend payment when he receives notification of the loss of the instrument.

失票人应当在通知挂失止付后三日内，也可以在票据丧失后，依法向人民法院申请公示催告，或者向人民法院提起诉讼。

The person losing the instrument shall in accordance with the law apply to the people's court for the publication of a public notice asserting his claim or he can bring an action in the people's court within three days of notifying the payee to suspend payment or after the loss of the instrument.

第十六条   持票人对票据债务人行使票据权利，或者保全票据权利，应当在票据当事人的营业场所和营业时间内进行，票据当事人无营业场所的，应当在其住所进行。

Article 16 The procedure by which the bearer of the instrument exercises his rights or preserves his rights against the debtor shall be carried out in the business premises of the party concerned during business hours or at their place of residence if no business premises exist.

第十七条   票据权利在下列期限内不行使而消灭：

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

（一）持票人对票据的出票人和承兑人的权利，自票据到期日起二年。见票即付的汇票、本票，自出票日起二年；

(I) Within two years from the date of maturity of the instrument the right of the holder to the drawer and the acceptor of the instrument. Bills or notes payable on demand, two years from the date of issue;

（二）持票人对支票出票人的权利，自出票日起六个月；

(II) For rights against the drawer of a cheque, six months from the date of issue;

（三）持票人对前手的追索权，自被拒绝承兑或者被拒绝付款之日起六个月；

(III) The bearer's right of recourse over prior parties ceases to be valid six months after the date of non-acceptance or non-payment;

（四）持票人对前手的再追索权，自清偿日或者被提起诉讼之日起三个月。

(IV) The bearer's right of re- recourse over prior parties ceases to be valid three months after the date of settlement or the commencement of a lawsuit.

票据的出票日、到期日由票据当事人依法确定。

The date of issue and the date of maturity of a negotiable instrument shall be fixed by the parties thereto according to law.

第十八条   持票人因超过票据权利时效或者因票据记载事项欠缺而丧失票据权利的，仍享有民事权利，可以请求出票人或者承兑人返还其与未支付的票据金额相当的利益。

Article 18 A holder who has lost his rights on instrument because of the expiration of his rights or because the items recorded in the instrument are not comprehensive may still enjoy civil rights, and may request that the drawer or the acceptor refunds the amount equivalent to that part of the instrument not yet paid.

第二章 汇票

Chapter 2 Bills of Exchange

第一节 出票

Section 1 Issue

第十九条   汇票是出票人签发的，委托付款人在见票时或者在指定日期无条件支付确定的金额给收款人或者持票人的票据。

Article 19 A bill of exchange is a negotiable instrument signed by the drawer, who authorizes the drawer to pay unconditionally a sum certain in money to the payee or the holder at sight or at a specified time.

汇票分为银行汇票和商业汇票。

Drafts shall be divided into bank drafts and commercial drafts.

第二十条   出票是指出票人签发票据并将其交付给收款人的票据行为。

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

第二十一条   汇票的出票人必须与付款人具有真实的委托付款关系，并且具有支付汇票金额的可靠资金来源。

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.

不得签发无对价的汇票用以骗取银行或者其他票据当事人的资金。

It is forbidden to sign drafts without corresponding prices for the purpose of acquiring funds from banks or other parties to the negotiable instrument by deception.

第二十二条   汇票必须记载下列事项：

Article 22 A bill must specify the following items:

（一）表明“汇票”的字样；

1. The word "draft";

（二）无条件支付的委托；

(II) Authorization of unconditional payment;

（三）确定的金额；

(III) A certain sum;

（四）付款人名称；

(IV) The name of the payer;

（五）收款人名称；

(V) Name of the payee;

（六）出票日期；

(VI) The date of issue;

（七）出票人签章。

(VII) The signature of the drawer.

汇票上未记载前款规定事项之一的，汇票无效。

A bill of exchange is void if any of the above-mentioned particulars is not specified thereon.

第二十三条   汇票上记载付款日期、付款地、出票地等事项的，应当清楚、明确。

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

汇票上未记载付款日期的，为见票即付。

A bill is payable on sight if the date of payment is not specified.

汇票上未记载付款地的，付款人的营业场所、住所或者经常居住地为付款地。

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.

汇票上未记载出票地的，出票人的营业场所、住所或者经常居住地为出票地。

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.

第二十四条   汇票上可以记载本法规定事项以外的其他出票事项，但是该记载事项不具有汇票上的效力。

Article 24 Items relating to the issue of a bill other than those stipulated by this Law may be specified on a bill, but such items shall have no effect on the validity of the bill.

第二十五条   付款日期可以按照下列形式之一记载：

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

（一）见票即付；

1. Payable on sight;

（二）定日付款；

2. Payable on a fixed date;

（三）出票后定期付款；

(III) Payable during a fixed period after the date of issue;

（四）见票后定期付款。

(IV) Payable on a fixed date after sight.

前款规定的付款日期为汇票到期日。

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

第二十六条   出票人签发汇票后，即承担保证该汇票承兑和付款的责任。出票人在汇票得不到承兑或者付款时，应当向持票人清偿本法第七十条、第七十一条规定的金额和费用。

Article 26 After signing the draft, the drawer shall bear the responsibility of ensuring the acceptance and payment of the draft. In the event of non-acceptance or non-payment of the bill, the bearer shall be reimbursed the sum and expenses as stipulated in Articles 70 and 71 of this Law.

第二节 背书

Section 2 endorsement

第二十七条   持票人可以将汇票权利转让给他人或者将一定的汇票权利授予他人行使。

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

出票人在汇票上记载“不得转让”字样的，汇票不得转让。

If a drawer writes the word "non-negotiable" on a draft, the draft shall not be transferred.

持票人行使第一款规定的权利时，应当背书并交付汇票。

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

背书是指在票据背面或者粘单上记载有关事项并签章的票据行为。

Endorsement refers to the recording of relevant particulars on the back of a draft or on its allonge for a signature or seal.

第二十八条   票据凭证不能满足背书人记载事项的需要，可以加附粘单，粘附于票据凭证上。

Article 28 The person endorsing the bill may use an allonge and attach it to the bill if there is not enough space in the bill for the items.

粘单上的第一记载人，应当在汇票和粘单的粘接处签章。

The first person to write on an allonge shall sign the allonge.

第二十九条   背书由背书人签章并记载背书日期。

Article 29 An endorsement shall be signed by the person making it and the date of endorsement shall be specified.

背书未记载日期的，视为在汇票到期日前背书。

An endorsement without a specified date is deemed to be made prior to the date of maturity.

第三十条   汇票以背书转让或者以背书将一定的汇票权利授予他人行使时，必须记载被背书人名称。

Article 30. If a bill of exchange is negotiated by endorsement or if certain rights under the bill of exchange are conferred by endorsement upon another person to be exercised, the name of the endorsee must be recorded.

第三十一条   以背书转让的汇票，背书应当连续。持票人以背书的连续，证明其汇票权利；非经背书转让，而以其他合法方式取得汇票的，依法举证，证明其汇票权利。

Article 31 Where a bill of exchange is negotiated by endorsement, the endorsements shall be in succession. The bearer must prove his rights to the bill by an uninterrupted series of endorsement; a person to whom a bill is transferred by means other than endorsement or who acquires a bill by other legal means shall provide evidence in accordance with the law showing his rights to the bill.

前款所称背书连续，是指在票据转让中，转让汇票的背书人与受让汇票的被背书人在汇票上的签章依次前后衔接。

The term "uninterrupted series" used in the preceding paragraph refers to the sequential consistency in the signatures or seals by the endorser and the endorsee in the transfer of negotiable instruments.

第三十二条   以背书转让的汇票，后手应当对其直接前手背书的真实性负责。

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.

后手是指在票据签章人之后签章的其他票据债务人。

The subsequent party "denotes other debtors of an instrument who endorse it after its endorsement by a specific party.

第三十三条   背书不得附有条件。背书时附有条件的，所附条件不具有汇票上的效力。

Article 33 No conditions can be attached to endorsements. If conditions are attached, they shall have no effect on the bill.

将汇票金额的一部分转让的背书或者将汇票金额分别转让给二人以上的背书无效。

An endorsement which transfers some or all of the draft amount to two or more persons shall be invalid.

第三十四条   背书人在汇票上记载“不得转让”字样，其后手再背书转让的，原背书人对后手的被背书人不承担保证责任。

Article 34 Where an endorser writes the word "non-negotiable" on a bill of exchange and his subsequent party negotiates it by endorsement, the original endorser shall not bear any responsibility for guaranty to the endorsee of the said subsequent party.

第三十五条   背书记载“委托收款”字样的，被背书人有权代背书人行使被委托的汇票权利。但是，被背书人不得再以背书转让汇票权利。

Article 35 Where an endorsement contains the word "by procuration", the endorsee shall be entitled to exercise mandated rights to the bill on the endorser's behalf. However, the endorsee shall not transfer the rights to the bill by means of endorsement.

汇票可以设定质押；质押时应当以背书记载“质押”字样。被背书人依法实现其质权时，可以行使汇票权利。

A draft may be pledged. When pledging a draft, the word "pledge" shall be written in the endorsement. The endorsee may exercise the rights to the bill when realizing the right of pledge according to law.

第三十六条   汇票被拒绝承兑、被拒绝付款或者超过付款提示期限的，不得背书转让；背书转让的，背书人应当承担汇票责任。

Article 36 A bill cannot be transferred by endorsement when acceptance or payment has been refused or when the time limit for presentation in order to receive payment has expired, if the bill has been endorsed and transferred, the endorser shall bear liability for the bill.

第三十七条   背书人以背书转让汇票后，即承担保证其后手所持汇票承兑和付款的责任。背书人在汇票得不到承兑或者付款时，应当向持票人清偿本法第七十条、第七十一条规定的金额和费用。

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. In the event of non-acceptance or non-payment of the bill, the endorser shall compensate the holder with the sum and expenses as stipulated in Articles 70 and 71 of this Law.

第三节 承兑

Section 3 Acceptance

第三十八条   承兑是指汇票付款人承诺在汇票到期日支付汇票金额的票据行为。

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

第三十九条   定日付款或者出票后定期付款的汇票，持票人应当在汇票到期日前向付款人提示承兑。

Article 39 Where a bill is payable on a fixed date or within a fixed period after the date of issue, the bearer shall present the bill to the payer for acceptance before the bill's date of maturity.

提示承兑是指持票人向付款人出示汇票，并要求付款人承诺付款的行为。

Presentment for acceptance refers to the act of a holder who presents the bill of exchange to the payer and demands a promise of payment from the payer.

第四十条   见票后定期付款的汇票，持票人应当自出票日起一个月内向付款人提示承兑。

Article 40 For drafts payable a fixed period after sight, the bearer shall prompt the payer to accept the draft within one month after the draft is issued.

汇票未按照规定期限提示承兑的，持票人丧失对其前手的追索权。

If 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.

见票即付的汇票无需提示承兑。

A bill payable on demand need not be presented for acceptance.

第四十一条   付款人对向其提示承兑的汇票，应当自收到提示承兑的汇票之日起三日内承兑或者拒绝承兑。

Article 41 The payer shall accept or refuse the bill within three days of receiving the bill as presented for acceptance.

付款人收到持票人提示承兑的汇票时，应当向持票人签发收到汇票的回单。回单上应当记明汇票提示承兑日期并签章。

On receiving a bill of exchange presented for acceptance by the holder, the payer shall sign and issue a receipt to the holder. The acknowledgment shall specify the date of the presentation for acceptance and shall be signed.

第四十二条   付款人承兑汇票的，应当在汇票正面记载“承兑”字样和承兑日期并签章；见票后定期付款的汇票，应当在承兑时记载付款日期。

Article 42 When accepting a bill, the payer shall write the word "accepted" and the date of acceptance on the front of the bill and sign it; after seeing a bill which is payable during a fixed period, the date of payment shall be specified at the time of acceptance.

汇票上未记载承兑日期的，以前条第一款规定期限的最后一日为承兑日期。

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 the date of acceptance.

第四十三条   付款人承兑汇票，不得附有条件；承兑附有条件的，视为拒绝承兑。

Article 43 When accepting a bill, the payer shall accept it unconditionally; if conditions have been added, this is deemed to be a refusal.

第四十四条   付款人承兑汇票后，应当承担到期付款的责任。

Article 44 When the payer has accepted the bill, he shall bear the liability of paying it at maturity.

第四节 保证

Section 4 Warranties

第四十五条   汇票的债务可以由保证人承担保证责任。

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

保证人由汇票债务人以外的他人担当。

The guarantor shall be someone other than the debtor of the bill.

第四十六条   保证人必须在汇票或者粘单上记载下列事项：

Article 46 The guarantor must specify the following items on the bill itself or on an allonge:

（一）表明“保证”的字样；

1. The word "guaranteed";

（二）保证人名称和住所；

2. Name and residence of the guarantor;

（三）被保证人的名称；

3. The name of the person to whom the guaranty is given;

（四）保证日期；

(IV) The date of guaranty;

（五）保证人签章。

(V) The signature or seal of the guarantor.

第四十七条   保证人在汇票或者粘单上未记载前条第（三）项的，已承兑的汇票，承兑人为被保证人；未承兑的汇票，出票人为被保证人。

Article 47 When the guarantor has not specified Item 3 of the preceding article on the bill itself or on an allonge, in cases where the bill has already been accepted, the person who accepted the bill is he to whom the guaranty is given; in cases where the bill has not yet been accepted, the guaranty is given to the issuer.

保证人在汇票或者粘单上未记载前条第（四）项的，出票日期为保证日期。

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

第四十八条   保证不得附有条件；附有条件的，不影响对汇票的保证责任。

Article 48 No conditions can be attached to the guaranty; if there should be any conditions attached, these will not affect the liability of guaranty on the bill.

第四十九条   保证人对合法取得汇票的持票人所享有的汇票权利，承担保证责任。但是，被保证人的债务因汇票记载事项欠缺而无效的除外。

Article 49 The guarantor shall be responsible for guaranteeing the bearer's rights to the bill when the bearer has acquired the bill lawfully. However, there is an exception where the obligations of the guaranteed person are invalid due to inadequacies in the items recorded on the bill of exchange.

第五十条   被保证的汇票，保证人应当与被保证人对持票人承担连带责任。汇票到期后得不到付款的，持票人有权向保证人请求付款，保证人应当足额付款。

Article 50 Where a bill is guaranteed, the guarantor and the person to whom the guaranty is given shall undertake joint liability to the bearer. If the draft is not paid when due, the holder has the right to demand payment from the guarantor and the guarantor shall pay the bill in full.

第五十一条   保证人为二人以上的，保证人之间承担连带责任。

Article 51 In cases where there are two or more guarantors, they shall undertake joint liability.

第五十二条   保证人清偿汇票债务后，可以行使持票人对被保证人及其前手的追索权。

Article 52 After the guarantor has paid the debt as stipulated in the bill, the guarantor may exercise his right of recourse as enjoyed by the bearer against the person to whom the guaranty is given and his prior parties.

第五节 付款

Section 5 Payment

第五十三条   持票人应当按照下列期限提示付款：

Article 53 The bearer of a draft shall present the draft for payment within the following time limits:

（一）见票即付的汇票，自出票日起一个月内向付款人提示付款；

1. A bill payable on sight should be presented to the payer within one month of the date of issue;

（二）定日付款、出票后定期付款或者见票后定期付款的汇票，自到期日起十日内向承兑人提示付款。

(II) A bill payable on a fixed date, within a fixed period after the date of issue or within a fixed period after being seen shall be presented for acceptance within 10 days of the date of maturity.

持票人未按照前款规定期限提示付款的，在作出说明后，承兑人或者付款人仍应当继续对持票人承担付款责任。

In cases when the bearer has failed to present the bill for payment within the prescribed period as stipulated in the preceding paragraph, the bearer shall remain liable for the payment of the bill after the bearer has explained the situation.

通过委托收款银行或者通过票据交换系统向付款人提示付款的，视同持票人提示付款。

Presentation for payment made to the payer by an authorized bank or clearing system for instruments shall be deemed as presentation by the bearer.

第五十四条   持票人依照前条规定提示付款的，付款人必须在当日足额付款。

Article 54 The payer must pay the bill in full on the day when the bearer presents the bill for payment in accordance with the provisions of the preceding article.

第五十五条   持票人获得付款的，应当在汇票上签收，并将汇票交给付款人。持票人委托银行收款的，受委托的银行将代收的汇票金额转账收入持票人账户，视同签收。

Article 55 When a holder receives payment, he/she shall sign the bill and deliver it to the payer. 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.

第五十六条   持票人委托的收款银行的责任，限于按照汇票上记载事项将汇票金额转入持票人账户。

Article 56 The bank authorized by the bearer to receive payment shall be liable only for crediting the sum on the bill to the bearer's account according to the items specified in the bill.

付款人委托的付款银行的责任，限于按照汇票上记载事项从付款人账户支付汇票金额。

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.

第五十七条   付款人及其代理付款人付款时，应当审查汇票背书的连续，并审查提示付款人的合法身份证明或者有效证件。

Article 57 When paying a bill, the payer or his agent shall check the continuity of the series of endorsement, as well as checking the legitimacy of the identification of the person presenting the bill, or the validity of that person's certificates.

付款人及其代理付款人以恶意或者有重大过失付款的，应当自行承担责任。

Where the payer or its entrusted payer makes the payment out of malice or with gross negligence, they shall bear the liability on their own.

第五十八条   对定日付款、出票后定期付款或者见票后定期付款的汇票，付款人在到期日前付款的，由付款人自行承担所产生的责任。

Article 58 In cases where the payer pays a bill before maturity which is payable on a fixed date or on sight within a fixed period, he alone shall bear liability.

第五十九条   汇票金额为外币的，按照付款日的市场汇价，以人民币支付。

Article 59 When the sum on a bill is expressed in a foreign currency, the sum payable shall be paid in Renminbi according to the market rate of exchange on the day of payment.

汇票当事人对汇票支付的货币种类另有约定的，从其约定。

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

第六十条   付款人依法足额付款后，全体汇票债务人的责任解除。

Article 60 Once the payer pays the bill in full, all debtors shall be discharged from liability.

第六节 追索权

Section 6 Right of Recourse

第六十一条   汇票到期被拒绝付款的，持票人可以对背书人、出票人以及汇票的其他债务人行使追索权。

Article 61 When payment is refused on a draft, the bearer may exercise their right of recourse against the endorser, drawer or other debtors of the draft.

汇票到期日前，有下列情形之一的，持票人也可以行使追索权：

Before the maturity of a bill, the holder may also exercise the right of recourse under any of the following circumstances:

（一）汇票被拒绝承兑的；

1. In cases when the payment of the bill has been refused;

（二）承兑人或者付款人死亡、逃匿的；

2. The acceptor or payer has died or absconded;

（三）承兑人或者付款人被依法宣告破产的或者因违法被责令终止业务活动的。

(III) In cases when the acceptor or the payer has been declared bankrupt according to the law or has been ordered to cease business activities due to their violations of the law.

第六十二条   持票人行使追索权时，应当提供被拒绝承兑或者被拒绝付款的有关证明。

Article 62 When exercising the right of recourse, the bearer shall be able to provide proof that acceptance or payment was refused.

持票人提示承兑或者提示付款被拒绝的，承兑人或者付款人必须出具拒绝证明，或者出具退票理由书。未出具拒绝证明或者退票理由书的，应当承担由此产生的民事责任。

In cases when the bearer's presentation of the bill for acceptance or payment has been refused, the acceptor or payer must provide proof of dishonor or a statement noting reasons for dishonor. 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 liabilities arising therefrom.

第六十三条   持票人因承兑人或者付款人死亡、逃匿或者其他原因，不能取得拒绝证明的，可以依法取得其他有关证明。

Article 63 In cases when the bearer is unable to obtain proof of refusal to accept or pay the bill because of the death or flight of the acceptor or payer or other causes, the bearer may obtain other relevant proof according to the law.

第六十四条   承兑人或者付款人被人民法院依法宣告破产的，人民法院的有关司法文书具有拒绝证明的效力。

Article 64 In cases when the acceptor or the payer has been declared legally bankrupt by the people's court, relevant judicial documents from the people's court shall be valid as proof of refusal to accept or pay the bill.

承兑人或者付款人因违法被责令终止业务活动的，有关行政主管部门的处罚决定具有拒绝证明的效力。

Where an acceptor or a payer has had their business operations suspended as a result of illegal conduct, relevant penalty decisions by the competent administrative department shall be valid as proof of dishonor.

第六十五条   持票人不能出示拒绝证明、退票理由书或者未按照规定期限提供其他合法证明的，丧失对其前手的追索权。但是，承兑人或者付款人仍应当对持票人承担责任。

Article 65. If a holder is unable to produce documentary evidence of refusal, reasons for the dishonouring of the bill or fails to provide other legal evidence within the stipulated period, he/she shall lose his/her right of recourse against prior parties. However, the acceptor or the drawee shall remain liable to the holder.

第六十六条   持票人应当自收到被拒绝承兑或者被拒绝付款的有关证明之日起三日内，将被拒绝事由书面通知其前手；其前手应当自收到通知之日起三日内书面通知其再前手。持票人也可以同时向各汇票债务人发出书面通知。

Article 66. The holder shall, within three (3) days of receiving relevant documentation relating to refused acceptance or refused payment, notify prior parties of the refusal in writing. Such prior parties shall, within three (3) days of receiving notice, notify their prior parties in writing. The holder may also simultaneously issue written notice to all debtors of the bill.

未按照前款规定期限通知的，持票人仍可以行使追索权。因延期通知给其前手或者出票人造成损失的，由没有按照规定期限通知的汇票当事人，承担对该损失的赔偿责任，但是所赔偿的金额以汇票金额为限。

The bearer may still exercise his right of recourse even if notification is not made within the time limit prescribed in the preceding paragraph. If loss results from a delay in the giving of notice to prior parties or to the drawer, liability to compensate for that loss shall be borne by the party that failed to give notice within the stipulated time limit. However, the amount to be compensated shall be limited to the bill of exchange amount.

在规定期限内将通知按照法定地址或者约定的地址邮寄的，视为已经发出通知。

If the notice has been sent out according to the legal address or the addresses agreed upon within the prescribed time limit, the notification is regarded as having been issued.

第六十七条   依照前条第一款所作的书面通知，应当记明汇票的主要记载事项，并说明该汇票已被退票。

Article 67 The written notice, made out according to the first paragraph of the preceding article, shall specify the main items written on the bill and shall clarify the fact that the said bill has been returned.

第六十八条   汇票的出票人、背书人、承兑人和保证人对持票人承担连带责任。

Article 68 The drawer, endorser, acceptor and guarantor of a bill of exchange are jointly and severally liable to the bearer.

持票人可以不按照汇票债务人的先后顺序，对其中任何一人、数人或者全体行使追索权。

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.

持票人对汇票债务人中的一人或者数人已经进行追索的，对其他汇票债务人仍可以行使追索权。被追索人清偿债务后，与持票人享有同一权利。

After a holder has exercised the right of recourse against one person or several persons liable for the bill of exchange, the holder may still exercise the right of recourse against other debtors of the bill. When the person against whom the right of recourse is exercised has settled the debt, he shall enjoy the same rights as the holder.

第六十九条   持票人为出票人的，对其前手无追索权。持票人为背书人的，对其后手无追索权。

Article 69 In cases when the bearer is the issuer, he shall have no right of recourse against the bearer's prior parties. In the case in which the holder is the endorser, the holder has no right of recourse against subsequent parties.

第七十条   持票人行使追索权，可以请求被追索人支付下列金额和费用：

Article 70 When exercising the right of recourse, bearers may request that the person subject to recourse pay the following amounts:

（一）被拒绝付款的汇票金额；

1. The amount of the dishonored draft;

（二）汇票金额自到期日或者提示付款日起至清偿日止，按照中国人民银行规定的利率计算的利息；

(II) Interest on this sum at the rate stipulated by the People's Bank of China from the date of maturity of the bill or the date upon which it was presented for payment to the date of payment;

（三）取得有关拒绝证明和发出通知书的费用。

(III) The expenses for the relevant proof of non-payment or non-acceptance and the expenses incurred by issuing notices.

被追索人清偿债务时，持票人应当交出汇票和有关拒绝证明，并出具所收到利息和费用的收据。

When the person against whom the right of recourse is exercised has settled the debt, the holder shall deliver the bill of exchange together with the relevant evidence of dishonor and issue a receipt of interest and expenses paid.

第七十一条   被追索人依照前条规定清偿后，可以向其他汇票债务人行使再追索权，请求其他汇票债务人支付下列金额和费用：

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 the other debtors and recover the following expenses;

（一）已清偿的全部金额；

1. The total amount which has been paid off;

（二）前项金额自清偿日起至再追索清偿日止，按照中国人民银行规定的利率计算的利息；

2. Interest on the said sum at the rate prescribed by the People's Bank of China from the day when the payment was made to the day of reimbursement;

（三）发出通知书的费用。

(III) The expenses incurred by issuing notices.

行使再追索权的被追索人获得清偿时，应当交出汇票和有关拒绝证明，并出具所收到利息和费用的收据。

When the person exercising the right of re- recourse is reimbursed, he shall hand over the bill and the relevant proof of non-payment or non-acceptance as well as a receipt detailing the expenses and interest received.

第七十二条   被追索人依照前二条规定清偿债务后，其责任解除。

Article 72 When a person against whom the right of recourse is being exercised has settled the debt according to the stipulations of the two preceding articles, he shall be discharged from any liabilities.

第三章 本票

Chapter 3 Promissory Notes

第七十三条   本票是出票人签发的，承诺自己在见票时无条件支付确定的金额给收款人或者持票人的票据。

Article 73 A promissory note is an instrument signed and issued by the issuer promising to unconditionally pay the payee or bearer a set sum of money when the note is presented.

本法所称本票，是指银行本票。

A promissory note as used in this Law means a banker's note.

第七十四条   本票的出票人必须具有支付本票金额的可靠资金来源，并保证支付。

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.

第七十五条   本票必须记载下列事项：

Article 75 A note must specify the following items:

（一）表明“本票”的字样；

1. The word "promissory note";

（二）无条件支付的承诺；

(II) A promise of unconditional payment;

（三）确定的金额；

(III) A certain sum;

（四）收款人名称；

(IV) The name of the payee;

（五）出票日期；

(V) The date of issue;

（六）出票人签章。

(VI) The signature of the drawer.

本票上未记载前款规定事项之一的，本票无效。

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

第七十六条   本票上记载付款地、出票地等事项的，应当清楚、明确。

Article 76 The place of payment and place of issue, if specified on the note, shall be legible and unambiguous.

本票上未记载付款地的，出票人的营业场所为付款地。

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

本票上未记载出票地的，出票人的营业场所为出票地。

The place of issue, if not specified on the note, shall be the business premises of the issuer.

第七十七条   本票的出票人在持票人提示见票时，必须承担付款的责任。

Article 77 The issuer of a note must bear liability for payment when the bearer presents the note.

第七十八条   本票自出票日起，付款期限最长不得超过二个月。

Article 78 The time limit for the payment of a note shall not exceed two months from the date of issue.

第七十九条   本票的持票人未按照规定期限提示见票的，丧失对出票人以外的前手的追索权。

Article 79 In cases when the bearer of a note fails to present the note for payment within the prescribed period, he shall lose the right of recourse against prior parties other than the issuer.

第八十条   本票的背书、保证、付款行为和追索权的行使，除本章规定外，适用本法第二章有关汇票的规定。

Article 80 In addition to the provisions of this chapter, the provisions of Chapter II of this Law pertaining to bills apply to the endorsement, guaranty and payment of notes and the exercise of the right of recourse.

本票的出票行为，除本章规定外，适用本法第二十四条关于汇票的规定。

In addition to the provisions of this chapter, the provisions of Article 24 of this Law pertaining to bills apply to the act of issuing promissory notes.

第四章 支票

Chapter 4 Cheques

第八十一条   支票是出票人签发的，委托办理支票存款业务的银行或者其他金融机构在见票时无条件支付确定的金额给收款人或者持票人的票据。

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.

第八十二条   开立支票存款账户，申请人必须使用其本名，并提交证明其身份的合法证件。

Article 82 When opening a cheque deposit account, the applicant must use his real name and must submit legitimate certification to prove his identity.

开立支票存款账户和领用支票，应当有可靠的资信，并存入一定的资金。

When opening an account in which cheques can be deposited with a bank and asking for a cheque book, the applicant must enjoy financial credibility and must deposit a certain amount of funds therein.

开立支票存款账户，申请人应当预留其本名的签名式样和印鉴。

When opening a cheque deposit account, the applicant shall leave a sample signature and seal of his/her own name in advance.

第八十三条   支票可以支取现金，也可以转账，用于转账时，应当在支票正面注明。

Article 83 A check can be cashed or transferred into other accounts. For account transfer, a clear indication of the purpose shall be written on the face of the check.

支票中专门用于支取现金的，可以另行制作现金支票，现金支票只能用于支取现金。

When checks are used especially for cashing, dedicated cash checks can be issued. A cash check can only be cashed.

支票中专门用于转账的，可以另行制作转账支票，转账支票只能用于转账，不得支取现金。

When part of the cheque is to be specifically used for account transfer, a cheque may be drawn up separately for this purpose and the account transfer cheque shall only be used for account transfer and shall not be used for the payment of cash.

第八十四条   支票必须记载下列事项：

Article 84 A cheque must specify the following items;

（一）表明“支票”的字样；

1. The word "cheque";

（二）无条件支付的委托；

(II) Authorization of unconditional payment;

（三）确定的金额；

(III) A certain sum;

（四）付款人名称；

(IV) The name of the payer;

（五）出票日期；

(V) The date of issue;

（六）出票人签章。

(VI) The signature of the drawer.

支票上未记载前款规定事项之一的，支票无效。

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

第八十五条   支票上的金额可以由出票人授权补记，未补记前的支票，不得使用。

Article 85 The sum on the cheque may be added to with the authorization of the issuer if the said sum is incomplete. Cheques which are incomplete cannot be used.

第八十六条   支票上未记载收款人名称的，经出票人授权，可以补记。

Article 86 The name of the payee, if not specified on the cheque, may be completed with the authorization of the issuer.

支票上未记载付款地的，付款人的营业场所为付款地。

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

支票上未记载出票地的，出票人的营业场所、住所或者经常居住地为出票地。

The place of issue, if not specified on the cheque, shall be the business premises, domicile or habitual residence of the drawer.

出票人可以在支票上记载自己为收款人。

The drawer may record himself on the cheque as the payee.

第八十七条   支票的出票人所签发的支票金额不得超过其付款时在付款人处实有的存款金额。

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.

出票人签发的支票金额超过其付款时在付款人处实有的存款金额的，为空头支票。禁止签发空头支票。

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 rubber check. It is forbidden to issue a bad check.

第八十八条   支票的出票人不得签发与其预留本名的签名式样或者印鉴不符的支票。

Article 88 The issuer shall not issue cheques upon which his signature is not the same as his specimen signature or specimen seal.

第八十九条   出票人必须按照签发的支票金额承担保证向该持票人付款的责任。

Article 89 A drawer shall undertake the liabilities to ensure the payment to the holder according to the amount of the check issued.

出票人在付款人处的存款足以支付支票金额时，付款人应当在当日足额付款。

Where the money deposited by the drawer in the payer checking account is sufficient to pay the full amount of the check, the payer shall pay the full amount on the day it is presented.

第九十条   支票限于见票即付，不得另行记载付款日期。另行记载付款日期的，该记载无效。

Article 90 A cheque is payable on sight and the date of payment shall not be specified. A specification of the date of payment shall be invalid.

第九十一条   支票的持票人应当自出票日起十日内提示付款；异地使用的支票，其提示付款的期限由中国人民银行另行规定。

Article 91 The bearer of a cheque shall present the cheque for payment within ten days of the date of issue. The time limit within which cheques may be presented for payment in places other than the place of issue shall be prescribed by the People's Bank of China.

超过提示付款期限的，付款人可以不予付款；付款人不予付款的，出票人仍应当对持票人承担票据责任。

In the case where the time limit on the presentation for payment has expired, the payer may refuse to pay. In the case where the payer refuses to pay, the drawer shall still bear liability under the negotiable instrument to the bearer.

第九十二条   付款人依法支付支票金额的，对出票人不再承担受委托付款的责任，对持票人不再承担付款的责任。但是，付款人以恶意或者有重大过失付款的除外。

Article 92 The payer who has paid the sum of the cheque according to the law shall no longer bear liability to the issuer as the authorized payer, nor liability for payment to the bearer. However, the exception is when the drawee pays in bad faith or with gross negligence.

第九十三条   支票的背书、付款行为和追索权的行使，除本章规定外，适用本法第二章有关汇票的规定。

Article 93 In addition to the provisions of this chapter, the provisions of Chapter II of this Law pertaining to bills apply to the endorsement and payment of cheques and the exercise of the right of recourse.

支票的出票行为，除本章规定外，适用本法第二十四条、第二十六条关于汇票的规定。

In addition to the provisions of this chapter, the provisions of Articles 24 and 26 of this Law shall apply to the issue of cheques.

第五章 涉外票据的法律适用

Chapter 5 Application of Law on Foreign-related Negotiable Instruments

第九十四条   涉外票据的法律适用，依照本章的规定确定。

Article 94 The applicable laws pertaining negotiable instruments in cases involving foreign elements shall be determined according to the provisions of this chapter.

前款所称涉外票据，是指出票、背书、承兑、保证、付款等行为中，既有发生在中华人民共和国境内又有发生在中华人民共和国境外的票据。

The term "foreign-related negotiable instruments" used in the preceding paragraph refers to instruments whose draft, endorsement, acceptance, guaranty or payment occur within and outside the territory of the People's Republic of China.

第九十五条   中华人民共和国缔结或者参加的国际条约同本法有不同规定的，适用国际条约的规定。但是，中华人民共和国声明保留的条款除外。

Article 95 If an international treaty concluded or acceded to by the People's Republic of China contains provisions that differ from provisions of this Law, the provisions of the international treaty shall apply. However, there shall be an exception where the People's Republic of China has declared its reservations.

本法和中华人民共和国缔结或者参加的国际条约没有规定的，可以适用国际惯例。

International practice may be applied to matters for which neither this Law nor any international treaty concluded or acceded to by the People's Republic of China has any provisions.

第九十六条   票据债务人的民事行为能力，适用其本国法律。

Article 96 As regards the capacity for civil conduct of a debtor of an instrument, the law of his own country shall be applicable.

票据债务人的民事行为能力，依照其本国法律为无民事行为能力或者为限制民事行为能力而依照行为地法律为完全民事行为能力的，适用行为地法律。

If a person liable for a negotiable instrument is regarded as a person without civil capacity or with limited civil capacity according to the law of his own country, but as a person with full civil capacity according to the law of the place of his conduct, the law of the place of his conduct shall apply.

第九十七条   汇票、本票出票时的记载事项，适用出票地法律。

Article 97 Items required to be specified in the issue of bills or notes shall be bound by the law of the place of issue.

支票出票时的记载事项，适用出票地法律，经当事人协议，也可以适用付款地法律。

For the recordings on the checks, the law of the place of issue shall apply. However, the law of the place of payment may also apply if the parties concerned so agree.

第九十八条   票据的背书、承兑、付款和保证行为，适用行为地法律。

Article 98 The endorsement, acceptance, payment and guaranty of an instrument shall be bound by the law of the place where the said action is being carried out.

第九十九条   票据追索权的行使期限，适用出票地法律。

Article 99 The time limits within which the rights of recourse can be exercised on an instrument shall be bound by the law of the place of issue of that instrument.

第一百条   票据的提示期限、有关拒绝证明的方式、出具拒绝证明的期限，适用付款地法律。

Article 100 The time limits within which the instrument should be presented, the way in which proof of refusal to accept or to pay is drawn up and the time limits for drawing up the proof of refusal to accept or to pay shall be bound by the law of the place of payment.

第一百零一条   票据丧失时，失票人请求保全票据权利的程序，适用付款地法律。

Article 101 In cases when an instrument is lost, the procedure by which the person who has lost the instrument applies to preserve their rights to the instrument shall be bound by the law of the place of payment.

第六章 法律责任

Chapter 6 Legal Liabilities

第一百零二条   有下列票据欺诈行为之一的，依法追究刑事责任：

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

（一）伪造、变造票据的；

1. The forgery or alteration of an instrument;

（二）故意使用伪造、变造的票据的；

(II) The intentional use of a forged or altered instrument;

（三）签发空头支票或者故意签发与其预留的本名签名式样或者印鉴不符的支票，骗取财物的；

(III) The signing and issue of a cheque which will bounce or the intentional signing and issue of a cheque whereon the signature or seal is not the same as the specimen signature or seal in order to obtain property by fraudulence;

（四）签发无可靠资金来源的汇票、本票，骗取资金的；

(IV) The signing and issue of a bill or note where no reliable financial sources exist in order to obtain funds by fraudulence;

（五）汇票、本票的出票人在出票时作虚假记载，骗取财物的；

(V) The false specification of items on a bill or a note by the issuer at the time of issue in order to obtain property by fraudulence;

（六）冒用他人的票据，或者故意使用过期或者作废的票据，骗取财物的；

(VI) The fraudulent use of instruments belonging to other people or the intentional use of instruments which are overdue or have been cancelled in order to obtain property by fraudulence;

（七）付款人同出票人、持票人恶意串通，实施前六项所列行为之一的。

(VII) The malicious collusion of the payer and the issuer or the payer and the bearer to commit any of the preceding acts.

第一百零三条   有前条所列行为之一，情节轻微，不构成犯罪的，依照国家有关规定给予行政处罚。

Article 103 If the case involving one of the acts listed in the preceding article is not serious enough to constitute a crime, administrative punishments shall be meted out according to relevant state regulations.

第一百零四条   金融机构工作人员在票据业务中玩忽职守，对违反本法规定的票据予以承兑、付款或者保证的，给予处分；造成重大损失，构成犯罪的，依法追究刑事责任。

Article 104 Any staff member of a financial institution who neglects his duties and accepts, pays or guarantees an instrument which does not conform to the provisions of this Law, shall be punished; if this act causes substantial losses and constitutes a crime, he shall be investigated according to the law for criminal responsibility.

由于金融机构工作人员因前款行为给当事人造成损失的，由该金融机构和直接责任人员依法承担赔偿责任。

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.

第一百零五条   票据的付款人对见票即付或者到期的票据，故意压票，拖延支付的，由金融行政管理部门处以罚款，对直接责任人员给予处分。

Article 105 If a payer intentionally delays paying an instrument which is payable on sight or an instrument which has reached maturity, the financial administration department shall fine the payer and punish any personnel directly responsible.

票据的付款人故意压票，拖延支付，给持票人造成损失的，依法承担赔偿责任。

If losses are caused to the holder due to the intentionally delayed payment, the payer shall undertake the liabilities of compensation.

第一百零六条   依照本法规定承担赔偿责任以外的其他违反本法规定的行为，给他人造成损失的，应当依法承担民事责任。

Article 106 Whoever commits other acts in violation of the provisions of this Law than those for which one shall be liable for compensation according to the provisions of this Law, and thus causes losses to other persons, shall bear civil liability in accordance with law.

第七章 附则

Chapter 7 Supplementary Provisions

第一百零七条   本法规定的各项期限的计算，适用民法通则关于计算期间的规定。

Article 107 The calculation of all time limits stipulated in this Law shall be governed by the provisions of the General Principles of Civil Law on the calculation of time limits.

按月计算期限的，按到期月的对日计算；无对日的，月末日为到期日。

For time limit calculated monthly, the calculation shall be made according to the corresponding date of the month due; in the absence of corresponding date, the last day of the month shall be taken as the due date.

第一百零八条   汇票、本票、支票的格式应当统一。

Article 108 The form taken by bills, notes and cheques shall be standardized.

票据凭证的格式和印制管理办法，由中国人民银行规定。

Administrative measures for the form and printing of negotiable instruments and relevant documents shall be formulated by the People's Bank of China.

第一百零九条   票据管理的具体实施办法，由中国人民银行依照本法制定，报国务院批准后施行。

Article 109 The specific measures taken for implementing the administration of instruments shall be formulated by the People's Bank of China in accordance with this Law, which shall go into effect after being submitted to and approved by the State Council.

第一百一十条   本法自1996年1月1日起施行。

Article 110. This Law shall take effect from 1 January 1996.