票据管理方案计划实施办法英文.docx

票据管理方案计划实施办法英文.docx

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票据管理方案计划实施办法英文

票据管理实施办法

中国人民银行令1997年第2号

（ApprovedbytheStateCouncilonJune23,1997PromulgatedbythePeople'sBankofChinaonAugust21,1997）

颁布日期：

19970821　实施日期：

19971001　

颁布单位：

人民银行

　　Article1TheseMeasuresareformulatedinpursuanceoftheprovisionsof　　Article2TheseMeasuresshallbeapplicableintheadministrationnegotiableinstrumentswithintheterritoryofthePeople'sRepublicofChina.

　　Article3ThePeople'sBankofChinaisthedepartmentofadministrationofnegotiableinstruments.

　　AdministrationofnegotiableinstrumentsshouldabidebytheprovisionsofTheLawofNegotiableInstrumentsandtheseMeasuresaswellasrelevantlawsandregulationsandmustnotharmthelegitimaterightsandinterestsofpartiestoabill.

　　Article4Partiestoabillshouldengageinbillactivities,exercisebillrightsandfulfilbillobligationsinaccordancewithlaw.

　　Article5PartiestoabillshouldusebillsonuniformformatprescribedbythePeople'sBankofChina.

　　Article6ThemakersofbillsofbankexchangeshallbebankshandlingthebusinessofbillsofbankexchangeapprovedbythePeople'sBankofChina.

　　Article7Themakersofbankers'ordersshallbebankshandlingthebusinessofbankers'ordersapprovedbythePeople'sBankofChina.

　　Article8Themakersofcommercialbillsofexchangeshallbeenterprisesandotherorganizationsotherthanthebanks.

　　Themakersofcommercialbillsofexchangeapplyingtobanksforthehandlingofacceptanceofbillsofexchangemustmeetthefollowingqualifications:

（1）openingofdepositaccountinbanksofacceptance;

（2）enjoyinggoodcredibilityandhavingreliablesourceofcapitalforthepaymentoftheamountofthebillsofexchange.

　　Article9Acceptingbanksofcommercialbillsofexchangemusthavethefollowingqualifications:

（1）havingtruerelationsofauthoritytopaywiththemakers;

（2）havingreliablecapitalforthepaymentoftheamountofthebillsofexchange.

　　Article10Thebearersofcommercialbillsofexchangeapplyingtobanksfordiscountoncheckmusthavethefollowingqualifications:

（1）openingofdepositaccountinbanks;

（2）havingtruetradingrelationsandcreditor-debtorrelationswiththemakersandpriorendorsers.

　　Article11Themakersofchecksshallbeenterprises,otherorganizationsandindividualswithopeningofcheckdepositaccountsinbankshandlingcheckdepositbusiness,urbancreditcooperativesandruralcreditcooperativesapprovedbythePeople'sBankofChina.

　　Article12The"guarantor"referredtointheLawofNegotiableInstrumentsmeansthelegalperson,otherorganizationsorindividualswithrepaymentabilityofdebtsinnegotiableinstruments.

　　Branchesandfunctionaldepartmentsofstateorgans,non-profitinstitutions,societiesandcorporateenterprisesmustnotserveasguarantors;unlessitisotherwiseprovidedforbylaw.

　　Article13Thesignatureandsealofthemakerofthebankmoneyorderandthesignatureandsealofthebankacceptingcommercialbillsofexchangeshallbethespecial-purposesealofthebankplusthesignatureortheaffixedsealofitslegalrepresentativeorhisorherauthorizedagent.

　　Thesignatureandsealofthemakeronbankcheckshallbethespecialpurposesealofthebankforbankcheckplusthesignatureortheaffixedsealofitslegalrepresentativeorhisorherauthorizedagent.

　　Special-purposesealsforbankmoneyorderandspecial-purposesealsforbankcheckmustbesubjectedtotheapprovalofthePeople'sBankofChina.

　　Article14Thesignatureandsealofthemakeroncommercialbillsofexchangeshallbethespecial-purposefinancialsealoftheunitorofficialsealplusthesignatureortheaffixedsealofitslegalrepresentativeorhisorherauthorizedagent.

　　Article15Thesignatureandsealofthemakeronthechecksshallbethespecial-purposefinancialsealorofficialsealplusthesignatureortheaffixedsealofitslegalrepresentativeorhisorherauthorizedagentwhichareinlinewiththesignatureandsealleftinadvancebytheunitatthebankwhenthemakeristheunit;theyshallbethesignatureortheaffixedsealinlinewiththoseleftinadvancebythesaidindividualatthebankwhenthemakerisanindividual.

　　Article16The"propername"referredtointheLawofNegotiableInstrumentsmeansthenameontheidentitycardinkeepingwithlaws,regulationsaswellastherelevantprovisionsoftheState.

　　Article17ThebillsshallbenullandvoidwhenthesignatureandsealofthemakeronthebillsarenotinlinewiththeprovisionsoftheLawofNegotiableInstrumentsandtheseMeasures;theirsignaturesandsealsshallbenullandvoidwhenthesignaturesandsealsoftheendorser,acceptorandguarantoronthebillsarenotinlinewiththeprovisionsoftheLawofNegotiableInstrumentsandtheseMeasures,however,theyshallnotaffecttheefficacyofothersignaturesandsealsonthebills.

　　Article18The"payingagent"referredtointheLawofNegotiableInstrumentsmeansthebank,urbancreditcooperativeandruralcreditcooperativewhichmakesthepaymentoftheamountonthebillsasentrustedbythepayer.

　　Article19Theloserofbillscan,pursuanttotheprovisionsoftheLawofNegotiableInstruments,reporttothepayerorthepayingagentintimethelossofchecksforstoppageofpaymentforlossofbillsofexchangewhichcanbereportedforstoppageofpaymentasprovidedforbytheLawofNegotiableInstruments.

　　Theloserofbillsshouldfillinthereport-loss-and-stop-paymentnote,affixhisorhersignatureandsealwhennotifyingthepayerorthepayingagentofthelossofthebillsforstoppageofpayment.Thereport-lossand-stop-paymentnoteshouldcarrythefollowingparticulars:

（1）timeandcause（s）ofthelossofbills;

（2）types,numbersandamountofbills,date（s）ofmaking,date（s）ofpayment,nameofthepayerandnameofthepayee;and

　　（3）nameofthepersonreportingthelossandrequestingstoppageofpayment,businesssiteorresidenceaswellaswaysofcontact.

　　Article20Thepayerorpayingagentshouldimmediatelysuspendpaymentonreceiptofthereport-loss-and-stop-paymentnote.Withintwelvedaysstartingfromthedateofthereceiptofthereport-loss-and-stoppaymentnotewhenthepayerorpayingagentdoesnotreceivethestop-paymentnotefromthepeople'scourt,thereport-loss-and-stop-paymentnoteshallbenullandvoidasofthethirteenthday.

　　Article21Thepayerorpayingagentwhohasalreadymadepaymenttothebeareraccordingtolawbeforethereceiptofthereport-loss-and-stoppaymentnoteshallnolongeracceptthereportoflossandstoppayment.

　　Article22Banks,urbancreditcooperativesandruralcreditcooperativescanreachanagreementwiththeapplicantsontheuseofencryptedcodeforpaymentonchecksastermsforthepaymentoftheamountonthecheckswhentheapplicantsapplyingfortheopeningofcheckdepositaccounts.

　　Article23Theguarantorshould,pursuanttotheprovisionsoftheLawofNegotiableInstruments,carryparticularsofguaranteeonthebillsortheirallonge.Theguarantorwhoprovidesguaranteeforthemaker,thepayerandtheacceptorshouldcarryparticularsofguaranteeonthefrontsideofthebills;theguarantorwhoprovidesendorserguaranteeshouldcarryparticularsofguaranteeonthebackofthebillsorontheirallonge.

　　Article24Nounitorindividualshallfreezeamountonbillswhicharetransferredafterendorsementaccordingtolaw;unlessitisotherwiseprovidedforbylaw.

　　Article25The"signatureforreceipt"referredtoinArticle55oftheLawofNegotiableInstrumentsmeansthesignatureandsealofthebeareronthefrontsideofthebillwhichindicatesthebearerhasalreadyobtainedthepayment.

　　Article26Thedateofthebearerpresentingthebilltothebankshallbethedateofpresentingpaymentwhenpresentingpaymenttothepayerthroughtheremittingbankorthroughtheclearingsystem.

　　Article27The"refusalofcertification"referredtoinArticle62oftheLawofNegotiableInstrumentsshouldincludethefollowingparticulars:

（1）typesofbillsandtheprincipalparticularscarriedthereontheacceptanceandpaymentofwhichhavebeenrefused;

（2）thefactualbasisandlegalbasisfortherefusalofacceptanceandpayment;

　　（3）timeofrefusalofacceptanceandpayment;and

　　（4）signaturesandsealsoftheaccepterandpayerofrefusal.

　　The"noteofdishonor"referredtoinArticle62oftheLawofNegotiableInstrumentsshouldcontainthefollowingparticulars:

（1）typesofbillsdishonored;

（2）thefactualbasisandlegalbasisofdishonor;

　　（3）timeofdishonor;and

　　（4）signatureandsealofthepersonreturningthebills.

　　Article28The"otherrelevantcertifications"referredtoinArticle63oftheLawofNegotiableInstrumentsmean:

（1）certificationofdeathoftheaccepterandpayerissuedbyahospitaloraunitconcerned;

（2）certificationofabscondingoftheaccepterandpayerissuedbyajudicialorgan;and

　　（3）documentswithvalidityofrefusalofcertificationissuedbyanotarialoffice.

　　Article29The"interestrate"prescribedinsection

（2）ofparagraphoneofArticle70andinsection

（2）ofparagraphoneofArticle71oftheLawofNegotiableInstrumentsmeanstheinterestrateforfloatingfundloansfixedbythePeople'sBankofChina.

　　Article30WhoeverhavinganyoftheactslistedinArticle103oftheLawofNegotiableInstrumentswhichisslightincircumstancesanddoesnotconstituteacrimeshallbepenalizedbypublicsecurityorgansaccordingtolaw.

　　Article31Issuanceofdudchecksorissuanceofchecksthesignatureandsealthereonarenotinlinewiththoseleftinadvance