1、中华人民共和国票据法（2004 年修正）（中英文对照）Negotiable Instruments Law of the Peoples Republic of China (2004 Revision) (Adopted at the 13th Session of the Standing Committee of the Eighth National Peoples Congress on May 10th, 1995; Revised at the 11th Session of the Standing Committee of the 10th National Peoples
2、Congress of the Peoples Republic of China on August 28th, 2004)(年月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，根据年月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）Contents 目录Chapter I General Provisions 第一章 总则 Chapter II Drafts 第二章 汇票 Section 1 Drawing of Drafts 第一节 出票 Section 2 Endorsement 第二节 背书 Section 3 Acceptance 第三节
3、承兑 Section 4 Guarantee 第四节 保证 Section 5 Payment 第五节 付款 Section 6 Right of Recourse 第六节 追索权 Chapter III Promissory Notes 第三章 本票 Chapter IV Checks 第四章 支票 Chapter V Application of Law on Foreign-related Negotiable Instruments第五章 涉外票据的法律适用 Chapter VI Legal Responsibilities 第六章 法律责任 Chapter VII Supplemen
4、tary Provisions 第七章 附则Chapter I General Provisions 第一章 总则Article 1 The law has been drawn up with a view to standardizing the behavior in the transaction of negotiable instruments, protecting the legitimate rights and interests of parties involved in the negotiable instruments transaction activities
5、, safeguarding the social and economic order and promoting the development of the socialist market economy.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 2 The law applies to all transaction activities in negotiable instruments within the territory of the Peoples Republic of China.
6、第二条 在中华人民共和国境内的票据活动，适用本法。The negotiable instruments as referred in this law include bills of exchange, promissory notes and checks.本法所称票据，是指汇票、本票和支票。 Article 3 Activities of negotiable instruments transaction shall abide by law, administrative regulations and decrees， and shall not in any way infrin
7、ge upon the public interests.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 4 In drafting negotiable instruments, a drawer shall put his/her signature or seal to the instruments according to the legal conditions and bear the liabilities for the negotiable instruments in compliance with the items recorded on
8、 them.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。In exercising the rights associated with the negotiable 持票人行使票据权利，应当按照法定程序在票instruments, a holder shall put his/her signature or seal to the negotiable instruments according to the legal procedures and present the instruments.据上签章，并出示票据。 Other debto
9、rs who have put their signatures or seals on the negotiable instruments shall assume the obligations in compliance with the items recorded on them.其他票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。 The term “rights associated with the negotiable instruments“ used in this law refers to the rights of the holder to clai
10、m 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 “obligations associated with the negotiable instruments“ used in this law refers to the obligations of the debtor to
11、 pay the amount specified in the negotiable instruments to the holder.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。 Article 5 Parties to a negotiable instrument may entrust their agents to put their signatures or seals to the instruments and clearly indicate their agency relationship.第五条 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
12、上表明其代理关系。If a negotiable instrument bears the signature or seal in the name of an agent without the power of attorney, the obligations associated with the negotiable instrument shall be performed by the person or persons who have put the signatures or seals to the negotiable instrument. 没有代理权而以代理人名义
13、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 an agent has gone beyond his/her attorneyship, he/she shall perform the obligations associated with the negotiable instrument on the part that exceeds his/her term of reference.Article 6 If a negotiable instrument bears the signature or seal of a
14、 person who is incapable of civil acts or by a person whose civil acts have been restricted, the signature or the seal is invalid, but that shall not affect the validity of other signatures and seals on the same instrument.第六条 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 7 The signature/sea
15、l on a negotiable instrument mean signature or seal, or signature plus seal.第七条 票据上的签章，为签名、盖章或者签名加盖章。The signature/seal of a legal person and other unit using negotiable instruments shall be the seal of the legal person or unit plus the signature or seal of their legal representative or their author
16、ized agent.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 signature on a negotiable instrument shall be the true name of the person who signs it.在票据上的签名，应当为该当事人的本名。 Article 8 The amount of a negotiable instrument shall be written in both Chinese characters and in numerals and the two shall
17、 tally with each other. The negotiable instruments shall be invalid if the words and figures do not tally.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 9 The items recorded in a negotiable instrument 第九条 票据上的记载事项必须符合本法的规定。shall conform to the provisions of this law. The amount, date and name of th
18、e receiver shall not be altered. If they are altered, the negotiable instrument shall become invalid. Other matters recorded in a negotiable instrument may be altered by the original recorder and the alteration shall be certified by a signature or seal put on it by the original recorder.票据金额、日期、收款人名
19、称不得更改，更改的票据无效。 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。 Article 10 The draft, acquisition and transfer of a negotiable instrument shall follow the principle of authenticity and creditability and be treated as a real act of trading or debt payment.第十条 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。A negotiable
20、 instrument shall be acquired against a corresponding price, that is, the price acknowledged by both parties to a negotiable instrument.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。 Article 11 If a negotiable instrument is obtained free of charge according to law due to taxation, inheritance and donation, it
21、is not restricted by the corresponding price rule. But the rights to the instrument enjoyed shall not be superior than those enjoyed by the prior holder.第十一条 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。The prior holder refers to a debtor who puts his/her signature or seal to the negotiable
22、instruments before acquired by the present signer or 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。 Article 12 In the case of obtaining a negotiable instrument by deception, theft or coercion or obtaining 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，a negotiable instrument which has been knowingly obtained by d
23、eception, theft or coercion out of malicious motives, the holder shall not enjoy the rights associated with the negotiable instruments.不得享有票据权利。A holder who has obtained the negotiable instruments not conformable to the provisions of this law due to major errors shall not enjoy the rights associated
24、 with the negotiable instruments either,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。 Article 13 The debtor for a negotiable instrument shall not protest against the holder on the ground of protesting against the drawer or the prior holder, except when the holder has obtained the negotiable instrument with the c
25、lear knowledge of the ground for protest.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。The debtor for a negotiable instrument may protest against the holder having direct debtor-creditor relationship with him/her but refusing to perform his/her agreed obligations.票据债务人可以对不履行约定义务的与
26、自己有直接债权债务关系的持票人，进行抗辩。 The term “protest“ used in this law refers to the act of the debtor for a negotiable instrument s to refuse to perform obligations to the creditors according to the provisions of this law.本法所称抗辩，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。 Article 14 Matters recorded on the negotiable instrum
27、ents shall be true to the facts. Forging or alteration is not allowed. Those who forge or alter the 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。signatures or seals or other items recorded on the negotiable instruments shall bear legal responsibilities.The forged or altered signatures or s
28、eals do not affect the validity of the true signatures or seals on the same negotiable instruments.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。 If any item recorded on the negotiable instruments has been altered, the person who signs the instrument before the alteration shall be responsible for the matters origin
29、ally recorded. The person who signs the instruments after the alteration shall be responsible for the matters recorded after the alterations. If it is impossible to tell whether the signatures or seals are made before or after the alteration, they are regarded as being made before the alterations.票据
30、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。 Article 15 In the case of loss of a negotiable instrument, the person who loses it may timely notify the payer of the negotiable instrument to refuse payment on the lost instrument, except in the cases in which the
31、 payer is not recorded or it is impossible to determine the payee and the agency payer.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。The payer shall suspend payment after receiving the notice for suspending payment due to lost instrument.收到挂失止付通知的付款人，应当暂停支付。 Owner of the lost negotiab
32、le instrument shall, within three days of issuing the notice for suspending payment 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due to lost instrument, or immediately after the negotiable instrument is lost, apply for public summons with the Peoples Court or indict with the Peoples Court.者向人民法院提起诉讼。 A
33、rticle 16 The exercising of the rights associated with the negotiable instruments on instrument debtors or the right for the protection of the negotiable instrument shall be conducted at the business sites and during the business hours of the parties to the negotiable instruments and, if the parties
34、 to the negotiable instruments have no business sites, it shall be conducted in their residences.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 17 The rights to the negotiable instruments shall expire if not exercised within the following time limits:第十七条 票据权利在下列期限内
35、不行使而消灭：1. Within two years from the time of the maturity of the negotiable instruments for the right of the holder to the drawer and acceptor, or, within two years from the date of draft for bills and notes payable at sight;（一）持票人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； 2. Within six months from
36、 the date of draft for the right of the holder to the drawer;（二）持票人对支票出票人的权利，自出票日起六个月； 3. Within six months from the date of non-acceptance or dishonor for the right of recourse of the holder to the prior holder;（三）持票人对前手的追索权，自被拒绝承兑或者被拒绝付款之日起六个月； 4. Within three months from the date of liquidation o
37、r （四）持票人对前手的再追索权，自清偿日或the date of indictment for the right of re-recourse. 者被提起诉讼之日起三个月。 The date of draft and the due date shall be fixed by parties to the negotiable instruments according to law.票据的出票日、到期日由票据当事人依法确定。Article 18 Holders who have lost the right to the negotiable instruments due to th
38、e expiry of the validity period for the exercise of the rights to the negotiable instruments or due to the inadequacy of the recordings on the negotiable instruments still enjoy the civil rights and may request the drawers or acceptors to return the interests in equal amount specified in the negotia
39、ble instruments unpaid.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。Chapter II Drafts 第二章 汇票Section 1 Drawing of Drafts 第一节 出票Article 19 A draft is a bill signed by the drawer, requiring the entrusted payer to make unconditional payment in a fixed amount at the sight of
40、 the bill or on a fixed date to the payee or the holder.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。Drafts include bank drafts and commercial drafts. 汇票分为银行汇票和商业汇票。 Article 20 The drawing of a draft refers to the act of a drawer to sign and deliver the draft to the payee.第二十条 出票是指出票人签发票据并将
41、其交付给收款人的票据行为。Article 21 The drawer of a draft shall have real authorized payment relations with the payees and have reliable sources of fund to pay the draft amount.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。It is forbidden to sign drafts without corresponding 不得签发无对价的汇票用以骗取银行或者其他prices for the
42、 purpose of acquiring funds from banks or other parties to the negotiable instrument by deception.票据当事人的资金。 Article 22 A draft shall bear the following items: 第二十二条 汇票必须记载下列事项：1. Chinese characters denoting “draft“; （一）表明“汇票” 的字样； 2. Commission on unconditional payment; （二）无条件支付的委托； 3. The amount of
43、 money fixed; （三）确定的金额； 4. Name of the payer; （四）付款人名称； 5. Name of the payee; （五）收款人名称； 6. Date of draft; （六）出票日期； 7. Signature of the drawer. （七）出票人签章。 A draft lacking one of the items listed above is invalid. 汇票上未记载前款规定事项之一的，汇票无效。Article 23 The date of payment, place of payment and place of draft
44、recorded on the draft shall be clear and definite.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。If a draft does not bear the date of payment, it is a draft payable at sight.汇票上未记载付款日期的，为见票即付。 If a draft does not bear the place of payment, the place of payment shall be the business site or the residence of the
45、 payer or the place where the payer often lives.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 draft, the place of draft shall be taken as the business site or residence of the drawer or the place where the drawer often lives.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。 Article 24 It
46、ems other than those provided for by this law may be recorded on a draft, but such items do not have the draft effect.第二十四条 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 25 The date of payment may be recorded in one of the following forms:第二十五条 付款日期可以按照下列形式之一记载：1. Payable at sight; （一）见票即付； 2. Dat
47、ed payment; （二）定日付款； 3. Payable on a fixed date after draft; （三）出票后定期付款； 4. Payable on a fixed date after sight. （四）见票后定期付款。 The date of payment provided for in the preceding paragraph is the due date of the draft.前款规定的付款日期为汇票到期日。 Article 26 After signing the draft, the drawer shall bear the respons
48、ibility of ensuring the acceptance and payment of the draft. If a drawer has failed to get the draft accepted or paid, the drawer shall undertake to pay the amount and expenses provided for in Article 70 and Article 71 of this law.第二十六条 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
49、规定的金额和费用。Section 2 Endorsement 第二节 背书Article 27 The holder of a draft may transfer the rights associated with the draft or authorize others to exercise some of the rights.第二十七条 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。If the drawer writes the Chinese characters meaning “Not Transferable“ on a draft, the draft shall not be 出票人在汇票上记载“不得转让” 字样的，汇票不得转让。 transferred.In exercising the rights provided for in the first paragraph, the holder shall endorse it and deliver the draft.持票人行使第一款规定的权利时，应当背书并交付汇票。 “Endorsement“ refers to the recording of items concerned on the
