1、中华人民共和国票据法（204年修改）NegotiableInstrum entsLawofthePeoplesRepublicofChina(204Revison)EnglishVersion中文版发文日期：204年08月28日有效范围：全国发文机关：全国人民代表大会常务委员会;中华人民共和国主席文号：主席令195第49号发布、主席令204第2号修正时效性：现行有效生效日期：所属分类：国家机构（宪法国家法-国家机构），票据法（贸易法-票据法）Prom ulgationDate:08-2-04EfectiveRegion:NATIONALProm ulgator:theStandigCom m
2、iteoftheNationalPeoplesCongresDocum entNo:OrderofthePresident204No.2Efectivens:EfectivefectiveDate:01-196Category:StaeOrgans（Constiutionalitshalbeviewdasanlegalexchangeandasdebtransaction.Therceiptofnegotiableinstrum entsm ustbealncedbyacorespondigpaym ent,i.e.apriceagredonbyothparties.第十一条因税收、继承、赠与
3、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。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。Article1Ifanegotiableinstrum entislawfulyobtainedwithoutpaym entasaresultoftaxtion,inheritance,ordonation,itshalnotrestrictedbytheabovem ntionedcorespondigpaym entrule.Howevrthenewbearoftheinstrum entshalnotenjoyrightsgreatrthan
4、thosenjoyedbythepreviousbear.Thepreviousbearrefrstotheobligorswhosesignatureorstam pwerplacedonthenegotiableinstrum entsbeforetheyareacquiredbythepresntbearorsignatory.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。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。Article12Inthecasewheranegotiableinstrum entisac
5、quiredbydecption,theftorcoercionrwheranegotiableinstrum entwhichascquiredbydecption,theftorcoercionistransferdtotherswhohavem alicousm otivesandfulknowledgeofrelvantilegalctivties,thebearshalnotenjoyrelvantegotiableinstrum entrights.Whenbears,asaresultofm ajoreror,obtainegotiableinstrum entsinam ner
6、notconfrm ingtotheprovisonsofthisLaw,theyshalnotenjoytherelvantnegotiableinstrum entrights,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。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。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。Article13Negotiableinstrum entsobligorshalnotrefusetheclaim softhebareu
7、singdefnseasertdaginsthedrawerorthepriorbear,exceptinthecasewhenthebearhasacquiredthenegotiableinstrum entsithfulknowledgeofsaidefnse.Negotiableinstrum entsobligorsm ayrefusebearswhichaveadirectdebtor-creditorelationshipwithsaidobligorsandwhichavefailedtofulfiltheirobligations.ForthepuroseofthisLaw,
8、“refuse“refrstoarefusal,bynegotiableinstrum entobligorspursantothestipulationsofthisLaw,tofulfiltheirobligationstocreditors.第十四条票据上的记载事项应当真实，不得伪造、变造。Article14Thecontetsofnegotiableinstrum entsshalbegenuie.Forgeryoralterationisprohibited.Thosewhofrge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。票据上有伪造、变造的签章的，不影响票据上其他
9、真实签章的效力。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。oralterthesignatures,stam ps,orothercontetsofthenegotiableinstrum entsm aybehldlegalyliable.Forgedoralterdsignaturesorstam psonanegotiableinstrum entdonotafectthevalidityoftheothergenuiesignaturesorstam ps
10、onthesam enegotiableinstrum ent.Ifanyofthecontetsofanegotiableinstrum entisalterd,thepersonwhosignedtheinstrum entpriortothealterationshalstilbeliablefortheorignalcontet.Thepersonwhosignstheinstrum entssubsequentothealterationshalbeliableforthenewcontet.Wheritisim posibletotelwhetrsignaturesandstam
11、psweradedpriortorsubsequentothealteration,theyshalregardeasbeingm adepriortothealterations.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。收到挂失止付通知的付款人，应当暂停支付。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。Article15Inthecasewheranegotiableinstrum entislost,thepreviousbearm ayprom t
12、lynotifythenegotiableinstrum entobligortostopaym entonthelostinstrum ent,exceptincasewhertheobligorhasnotbenrecordeoritisotherwiseim posibletodetrm inetheidentiyoftheobligorortheirepresntaive.Theobligorshalsupendpaym entuponreciptofnotifcationtostopaym entduetolsofinstrum ent.Withinthredaysofisuingt
13、henotifcationtosupendpaym entorim m ediatelyafterthengotiableinstrum entislost,thepreviousbearm ayaplyforpublichearingwithtepeoplescourtorfileasuitwithtepoplescourt.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。Article16Thexercisngofthenegotiableinstrum entrightstom akeclai
14、m saginstinstrum entobligorsortheprotectionfnegotiableinstrum entrightshalbeconductedathebusineslocationanduringthebusineshoursofthepartiestothenegotiableinstrum entsinquestionor,ifthepartiestothenegotiableinstrum entshavenobusineslocation,theirresidences.第十七条票据权利在下列期限内不行使而消灭：（一）持票人对票据的出票人和承兑人的权利，自票
15、据到期日起二年。见票即付的汇票、本票，自出票日起二年；（二）持票人对支票出票人的权利，自出票日起六个月；Article17Thengotiableinstrum entrightshalexpireiftheyarenotexrcisedwithinthefolwingtim elim ts:1.Forightsofthebearsaginsthedrawerandobligors,twoyearsfrom thedateofm aturity;twoyearsfrom theisuedatefordraftsandprom isorynotesthatpaybleondem and;2.Fo
16、rightsaginsthedrawerofacheck,sixm onthsfromthedatethecheckisisued;3.Forightofrecourseaginstpreviousbears,ixm onths（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；（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。票据的出票日、到期日由票据当事人依法确定。from thedateofrefusaltoaceptorm akepaym ent;4.Fortherightofurtherecourseaginstpreviousbears,threm
17、onthsaftertheliquidationdateorthedatethelgalactionisfiled.Theisueandm aturitydateshalbefixedbythepartiestothengotiableinstrum entpursantolaw.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。Article18Bearswhohavelostheirnegotiableinstrum entrightsbecausethevalidityperiodforth
18、exerciseoftherightstothenegotiableinstrum entshasexpiredorasaresultofdeficenciesrelatedtothecontetsoftheirnegotiableinstrum entsstilhavecivlrightsandm ayrequesthatdrawersorbligorsprovideconm icbenfitsequaltotheam ountspecifedinupaidnegotiableinstrum ents.第二章汇票CHAPTERTWODRAFTS第一节出票SECTIONEDRAWINGOFDR
19、AFTS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。汇票分为银行汇票和商业汇票。Article19Adraftisabilsignedbythedrawer,equirngtheentrustedobligortom akeunconditonalpaym enttothepayeorthebearofthefixedam ountwhenpresntedwithtebiloratfixedate.Draftsincludebankdraftsandcom m ercialdrafts.第二十条出票是指出票人签发票据并将其交付给收款
20、人的票据行为。Article20Thedrawingofadraftrefrstotheact,byadrawer,ofsignigandeliveringadraftotheobligor.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。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。Article21Thedrawerofadraftshalhaveagenuierelationshipwithteobligorthatuthorizesthelatertom akepaym entsfortheform e,andshalhavea
21、reliablesourceoffundsuficentopaythedraftam ount.Thesignigofdraftswithoutcorespondigpaym entforthepuroseofdefraudingbanksortherpartiestothenegotiableinstrum entisprohibited.第二十二条汇票必须记载下列事项：Article2Adraftshalincludethefolwingitem s:1.TheChinescharctersfor“draft“;（一）表明“汇票”的字样；（二）无条件支付的委托；（三）确定的金额；（四）付款
22、人名称；（五）收款人名称；（六）出票日期；（七）出票人签章。汇票上未记载前款规定事项之一的，汇票无效。2.Astipulationfunconditonalpaym ent;3.Thefixedraftam ount;4.henam eoftheobligor;5.Thenam eofthepaye;6.hedraftdate;and7.Thesignatureofthedrawer.Adraftwhiclacksanyoftheitem slistedaboveshalbedem dinvalid.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。汇票上未记载付款日期的，
23、为见票即付。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。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。Article23Thedateofpaym ent,thepaym entlocation,andplacewherthedraftwasdrawn,asrecordeonthedraft,shalbeclearndunequivocal.Wheradraftdoesnotstipulatetothedateofpaym ent,itshalbeconsiderdasightdraft,paybleondem and.Wheradraftdoes
24、notstipulatetotheplaceofpaym ent,theplaceofpaym entshalbetheplaceofbusines,location,orcom m nresidenceoftheobligor.Wheradraftdoesnotstipulatetoplacewherthedraftwasdrawn,itshalbeasum edtobetheplaceofbusines,location,orcom m nresidenceofthedrawer.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。Article24C
25、ontetsotherthanthoseprovideforbythislawm aybercordeonadraft,howevrsuchitem sshalhavenolegalforcerlevantothedraft.第二十五条付款日期可以按照下列形式之一记载：（一）见票即付；（二）定日付款；（三）出票后定期付款；（四）见票后定期付款。前款规定的付款日期为汇票到期日。Article25Thedateofpaym entm aybercordeinayofthefolwingform s:1.Paybleondem and;2.aybleatfixedate;3.Paybleatfixe
26、dateafterthedraftisdrawn;4.aybleatfixedateafterthedraftispresnted.Thedateofpaym entstipulatedintheprecdingpargraphisthedateofm aturityforthedraft.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Article26Afterthedraftisigned,thedrawershalberesponsibleforensuringthathedraftisaceptdandpaym entism
27、ade.Wherthedrawerfailsensurethatthedraftisaceptdandpaym entism ade,thedrawershalpaytothe人清偿本法第七十条、第七十一条规定的金额和费用。payetheam ountsstipulatedinArticle70andArticle71herin.第二节背书SECTIONTWOENDORSEMNT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。出票人在汇票上记载“不得转让”字样的，汇票不得转让。持票人行使第一款规定的权利时，应当背书并交付汇票。背书是指在票据背面或者粘单上记载有关事项并
28、签章的票据行为。Article27Thebearofadraftm aytransferthedraftrightsorauthorizeotherstoexrcisecrtainrights.IfadrawerwritestheChinescharctersfor“no-transferable“onadraft,thedraftm aynotbetransferd.WhenexrcisngtherightsprovideforinPargraph1ofthisArticle,thebareshalendorseandeliverthedraft.“Endorsem nt“refrstoth
29、erecordingofrelvantcontet,includingasignatureorstam p,onthebackofadraftornitsalonge.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。粘单上的第一记载人，应当在汇票和粘单的粘接处签章。Article28Whenadraftinstrum enthasinsuficentspacetorecordrelvantcontet,anlongem aybeatched.Thefirstpersontowriteonanalongeshalputhisorhersignatureorstam
30、 pathelocationwherthealongeisatchedtotheorignalbil.第二十九条背书由背书人签章并记载背书日期。背书未记载日期的，视为在汇票到期日前背书。Article29Anedorsem ntshalbesignedbythendorserandincludethedateofendorsem nt.Anendorsem ntwithoutadateshalberegardeasanendorsem ntpriortthedateofm aturity.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。Article30I
31、fanendorsem nttransfersthedraftrightstoanotherpersoniwholeorinpart,thenam eofthendorsershalbercordeonthedraft.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。前款所称背书连续，是指在Article31Whenthetransferofdraftothersicariedoutbyendorsem nt,suchendorsem ntshalbecontiuos.Thebearshalpro
32、vetheirclaim ofdraftrightsonthebasiofanuniteruptedsequenceofendorsem nts.Whentransferisnotcariedoutbyendorsem nt,thebearm ustlawfulyproduceothervidencethatstipulatestotheirdraftrights.Theterm “uniteruptedsequence“usedintheprecding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。pargraphrefrstoaconsitentsequenc
33、eofendorserandtheendorsesignaturesorstam psusedtotransfertherelvantnegotiableinstrum ents.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。后手是指在票据签章人之后签章的其他票据债务人。Article32Whentransferingadraftothersbym eansofendorsem nt,subsequentendorsershalbersponsiblefortheauthentictyofthendorsem ntm adebythem ostrecntpreviousen
34、dorser.Subsequentendorsersrefrstotheotherobligorsthatsignthedraftaftertheorignalendorser.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。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。Article3Anedorsem ntshalnotbesubjectoaditonalconditons;whenedorsem ntshaveatchedconditons,aidconditonshalhavenolegalforcerlevantothedraft.
35、Anendorsem ntwhictransfersom eoralofthedraftam ounttotworm orepersonshalbeinvalid.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。Article34IfanendorserwritestheChineswords“Non-transferable“onadraftbuthedraftistransferdbythesubsequentendorser,theorignalendorserm aynotbeheldliableforguarntestosub
36、sequentendorses.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。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。Article35Ifanendorsem nt containsthewords“com m isionedreciptofpaym ent“,theendorsem ayexrcisethedraftrightsascom m isionedbythendorser,howevrthendorseshalnotransferthedraftoth
37、ersbyendorsem nt.Adraftm aybepledged.Whenpledginadraft,theword“pledge“shalbewritenithendorsem nt.Ifthendorserdefaultsonthepledge,thendorsem aythenexrcisetherelvantdraftrights.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。Article36Wherarefusaltoaceptorm akepaym entonadrafthasocuredortheindic
38、atedtim elim tforpaym enthaspased,adraftm aynotbetransferdtothersbyendorsem nt.Thendorserm aybehldliablefordraftsofthistypewhicaretransferdtothersbyendorsem nt.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Article37Whenaendorserhastransferdadraftothersbyendorsem nt,thendorsershalbersponsibleforensuringthat
39、hedraftishonredwhenpresntedbythesubsequent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。bears.Wheranendorserfailstoensurethatadraftishonredorthatpaym entism ade,thendorsershalprovidecom pensationtothebearintheam ountofthedraftplusexpensepursantoArticle70andArticle71herin.第三节承兑SECTIONTHREACEPTANCE第三十八
40、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。Article38Aceptancerferstoaprom isebyadraftpayertopaythedraftam ountwhenthedrafthasreacheditsdateofm aturity.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。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。Article39Fordraftspaybleatfixedateorathendoffixedtim eperiodafterthedateofisuance,thebe
41、arshalprom tthepayertoacepthedraftbeforethem aturitydate.Presntaionforaceptanceofadraftrefrstothepresntaiontothepayerofthedraftbythebear,requirngthathepayeragretoprovidepaym ent.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。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。见票即付的汇票无需提示承兑。Article40Fordraftspaybleafixedperiodafter
42、sight,thebearshalprom tthepayertoacepthedraftwithinonem onthafterfom thedraftisisued.Ifabearhasfailedtoprom tthepayertoaceptadraftwithintheprescribedtim elim t,saidbearshallosetherightofrecourseaginstpriorbears.Nopresntaionforaceptanceisnecsaryfordraftspaybleondem and.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
43、之日起三日内承兑或者拒绝承兑。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。Article41Payershaldecidetoaceptorefuseadraftforwhicpresntaionforaceptancehasbencariedoutwithinthredaysafterecivngtherlevantdraft.Afterrecivngthedraftwhichasbenpresntedforaceptance,thepayershalisueanacknowledgm entthathedrafthasbenrec
44、ived.Theacknowledgm entshalspecifythedateofpresntaionforaceptanceandshalbesigned.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。Article42Whenaceptingadraft,thepayershalwrite“ceptd“andthedateofaceptanceonthefaceofthedraftandstam ptheirseal.Forafterdatedrafts,thedateofpaym entshalbeindi
45、catedwhenthedraftisaceptd.Whernodateofaceptanceisrecordeonadraft,thefinal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。dayofthetim eperiodstipulatedinthefirstpargraphoftheprecdingarticleshalbetakenasthedateofaceptance.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。Article43Theaceptanceofadraftshalbeunconditonal.Shouldtherbe
46、conditonsatchedtotheaceptance,itshalbergardeasrefusal.第四十四条付款人承兑汇票后，应当承担到期付款的责任。Article4Afteraceptingadraft,thepayershalbeliabletopaythedraftam ountonthem aturitydate.第四节保证SECTIONFOURGUARNTES第四十五条汇票的债务可以由保证人承担保证责任。保证人由汇票债务人以外的他人担当。Article45Guarnteliabiltyforthedebtasociatedwithadraftm aybeasum edbya
47、guarntor.Guarntorshalbepersonsotherthandraftobligors.第四十六条保证人必须在汇票或者粘单上记载下列事项：（一）表明“保证”的字样；（二）保证人名称和住所；（三）被保证人的名称；（四）保证日期；（五）保证人签章。Article46Guarntorshalwritethefolwingonthedraftoralonge:1.Theword“Guarnte“;2.Nam eandlocationftheguarntor;3.Thenam eoftheguarntedparty;4.Thedateofguarnte;and5.Thesignatur
48、eorstam poftheguarntor.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。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。Article47WheraguarntorhasfailedtoindicateItem 3oftheprecdingarticleonthedraftoralonge,theaceptorshalbealsodem dtheguarntedpartyforalreadyaceptddrafts,andthedrawershalbetheguarntedparty
49、fordraftsnotaceptd.WhertheguarntorhasfailedtoincludeItem 4oftheprecdingarticle,thedateofdraftshalbethedateofguarnte.第四十八条保证不得附有条件；附有条件的，不影响对汇Article48Guarntorsshalprovideguarnteswithnoatchedconditons.Shouldconditonsbeatched,theyshal票的保证责任。notafectheguarnteliabiltyforthedraft.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。Article49Guarntorshalasum eguarnteliabiltyrelvanttodraftrightsheldbyearswhoavelawfulyacquiredthedraft,howevrcasewhenthedebthasbenivalidatedasresultofm isingitem sonthedraftareanexception.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
