第三章 本票

 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 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 maker of a promissory note shall possess a reliable source of funds to pay the sum of the note and guarantee its payment.

第七十五条 本票必须记载下列事项：

Article 76 The following particulars shall be specified on a promissory note:

（一）表明“本票”的字样；

(1) words expressing it to be a promissory note;

（二）无条件支付的承诺；

(2) a promise of unconditional payment;

（三）确定的金额；

(3) a sum certain in money;

（四）收款人名称；

(4) the business or personal name of the payee;

（五）出票日期；

(5) the date of issue; and

（六）出票人签章。

(6) the signature of the maker.

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 any of the particulars mentioned in the preceding paragraph is not specified thereon.

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

本票上未记载付款地的，出票人的营业场所为付款地。

Where the place of payment is not specified on a promissory note, the business premises of the maker is the place of payment.

本票上未记载出票地的，出票人的营业场所为出票地。

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 maker of a promissory note shall bear the liability for payment when the bearer presents the note for visa.

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 promissory 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 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 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 regarding bills of exchange shall be applicable to issue of promissory notes.

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 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 account, the applicant must use the true personal or business name and submit legitimate document to prove the 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 a cheque account and asking for cheque books, the applicant shall have reliable financial credebility and deposit a certain amount of money.

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 account, the applicant shall reserve a specimen of the signature of his true name and the seal.

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 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。

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。

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.

第八十四条 支票必须记载下列事项：

Article 84 The following particulars shall be specified on a cheque:

（一）表明“支票”的字样；

 (1) the word expressing it to be a cheque;

（二）无条件支付的委托；

 (2) an order of unconditional payment;

（三）确定的金额；

 (3) a sum certain in money;

（四）付款人名称；

(4) name of the drawee;

（五）出票日期；

(5) the date of issue; and

（六）出票人签章。

 (6) 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 cheque is null and void if any one of the particulars mentioned in the preceding paragraph is not specified thereon.

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

支票上未记载付款地的，付款人的营业场所为付款地。

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。

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记载自己为收款人。

A drawer may specify himself on a 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 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。

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 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 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 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 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 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。

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 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 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 be applicable to issue of cheques.

第五章 涉外票据的法律适用

Application of Law to Negotiable Instruments Involving Foreign Elements

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 application of law to negotiable instruments involving foreign elements is 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。

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 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 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.

第九十六条 票据债务人的民事行为能力，适用其本国法律。

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。

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.

第九十七条 汇票、本票出票时的记载事项，适用出票地法律。

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。

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.

第九十八条 票据的背书、承兑、付款和保证行为，适用行为地法律。

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.

第九十九条 票据追索权的行使期限，适用出票地法律。

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 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 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 法律责任

 Legal Responsibility

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 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）伪造、变造票据的；

(1) forgery or alteration of instruments;

（二）故意使用伪造、变造的票据的；

(2) intentional use of forged or altered instruments;

（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；

(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）签发无可靠资金来源的汇票、本票，骗取资金的；

(4) signing and issuing bills of exchange or promissory notes without a reliable source of funds to defraud money;

（五）汇票、本票的出票人在出票时作虚假记载，骗取财物的；

(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）冒用他人的票据，或者故意使用过期或者作废的票据，骗取财物的；

(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、持票人恶意串通，实施前六项所列行为之一的。

(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 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 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 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 drawee shall be liable for the losses according to law.

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 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 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。

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.

第一百零八条 汇票、本票、支票的格式应当统一。

Article 109 The forms of bills of exchange, promissory notes and cheques shall be unified.

票据凭证的格式和印制管理办法，由中国人民银行规定。

 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 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 effect after being approved by the State Council.

第一百一十条 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