中华人民共和国票据法(Negotiable Instruments Law)_中华人民共和国票据法
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中华人民共和国票据法
Negotiable Instruments Law of the People's Republic of China(2004 Revision)
中华人民共和国主席令（第四十九号）
Order of the President of the People's Republic of China No.49
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，1995年5月10日中华人民共和国主席令第四十九号公布自1996年1月1日起施行
Negotiable Instruments Law of the People's Republic of China, adopted at the 13th Seion of the Standing Committee of the Eighth National People's Congre of the People's Republic of China on May 10th, 1995, is hereby promulgated shall be implemented as of January 1st, 1996.中华人民共和国主席江泽民
Jiang Zemin, President of the PRC
一九九五年五月十日
May 10, 1995
中华人民共和国票据法(2004修订本)
Negotiable Instruments Law of the People's Republic of China(2004 Revision)
(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 Seion of the Standing Committee of the Eighth National People's Congre on May 10th, 1995;Revised at the 11th Seion of the Standing Committee of the 10th National People's Congre of the People's Republic of China on August 28th, 2004)
目录
Contents
第一章总则
Chapter I General Provisions 第二章汇票 Chapter II Drafts 第一节出票
Section 1 Drawing of Drafts
第二节背书
Section 2 Endorsement
第三节承兑
Section 3 Acceptance 第四节保证
Section 4 Guarantee 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 III Promiory Notes 第四章支票
Chapter IV Checks
第五章涉外票据的法律适用
Chapter V Application of Law on Foreign-related Negotiable Instruments 第六章法律责任
Chapter VI Legal Responsibilities 第七章附则
Chapter VII Supplementary Provisions 第一章总则
Chapter I 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 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, safeguarding the social and economic order and promoting 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 The law applies to all transaction activities in negotiable instruments 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。
The negotiable instruments as referred in this law include bills of exchange, promiory notes and checks.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 of negotiable instruments transaction shall abide by law, administrative regulations and decrees，and shall not in any way infringe upon the 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 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 them.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。
In exercising the rights aociated with the negotiable instruments, a holder shall put his/her signature or seal to the negotiable instruments according to the legal procedures and present the instruments.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 who have put their signatures or seals on the negotiable instruments shall aume the obligations in compliance with the items recorded on them.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 aociated 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。
The term “obligations aociated with the negotiable instruments” used in this law refers to the obligations of the debtor to pay the amount specified in the negotiable instruments 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 Parties to a negotiable instrument may entrust their agents to put their signatures or seals to the instruments and clearly indicate their agency relationship.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 attorney, the obligations aociated with the negotiable instrument shall be performed by the person or persons who have put the signatures or seals to the negotiable instrument.If an agent has gone beyond his/her attorneyship, he/she shall perform the obligations aociated with the negotiable instrument on the part that exceeds his/her term of reference.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 If a negotiable instrument bears the signature or seal of a 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.第七条票据上的签章，为签名、盖章或者签名加盖章。
Article 7 The signature/seal on a negotiable instrument mean signature or seal, or signature plus 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 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 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 person who signs it.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 amount of a negotiable instrument shall be written in both Chinese characters and in numerals and the two shall tally with each other.The negotiable instruments shall be invalid if the words and figures do not tally.第九条票据上的记载事项必须符合本法的规定。票据金额、日期、收款人名称不得更改，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 9 The items recorded in a negotiable instrument shall conform to the provisions of this law.The amount, date and name of the 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.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 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.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 against a corresponding price, that is, the price acknowledged by both parties to a negotiable 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 If a negotiable instrument is obtained free of charge according to law due to taxation, inheritance and donation, it 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.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。
The prior holder refers to a debtor who puts his/her signature or seal to the negotiable instruments before acquired by the present signer or holder.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 the case of obtaining a negotiable instrument by deception, theft or coercion or obtaining a negotiable instrument which has been knowingly obtained by deception, theft or coercion out of malicious motives, the holder shall not enjoy the rights aociated with the negotiable instruments.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。
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 aociated with the negotiable instruments either,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 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 clear knowledge of the ground for protest.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。
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.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 s to refuse to perform obligations to the creditors according to 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 Matters recorded on the negotiable instruments shall be true to the facts.Forging or alteration is not allowed.Those who forge or alter the signatures or seals or other items recorded on the negotiable instruments shall bear legal responsibilities.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。
The forged or altered signatures or seals do not affect the validity of the true signatures or seals on the same 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。
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 originally recorded.The person who signs the instruments after the alteration shall be responsible for the matters recorded after the alterations.If it is impoible to tell whether the signatures or seals are made before or after the alteration, they are regarded as being made before the alterations.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 of lo 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 payer is not recorded or it is impoible to determine the payee and the agency payer.收到挂失止付通知的付款人，应当暂停支付。
The payer shall suspend payment after receiving the notice for suspending payment due to lost 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。
Owner of the lost negotiable instrument shall, within three days of iuing the notice for suspending payment due to lost instrument, or immediately after the negotiable instrument is lost, apply for public summons with the People''s Court or indict with the People''s Court.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 exercising of the rights aociated with the negotiable instruments on instrument debtors or the right for the protection of the negotiable instrument shall be conducted at the busine sites and during the busine hours of the parties to the negotiable instruments and, if the parties to the negotiable instruments have no busine sites, it shall be conducted in their residences.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；
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;
（二）持票人对支票出票人的权利，自出票日起六个月；
2.Within six months from the date of draft for the right of the holder to the drawer;
（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；
3.Within six months from the date of non-acceptance or dishonor for the right of recourse of the holder to the prior holder;
（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。
4.Within three months from the date of liquidation or the date of indictment for the right of re-recourse.票据的出票日、到期日由票据当事人依法确定。
The date of draft and the due date shall be fixed by parties to the negotiable instruments 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 Holders who have lost the right to the negotiable instruments due to the 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 negotiable instruments unpaid.第二章汇票 Chapter II Drafts 第一节出票
Section 1 Drawing of Drafts
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 draft is a bill signed by the drawer, requiring the entrusted payer to make unconditional payment in a fixed amount at the sight of the bill or on a fixed date to the payee or the holder.汇票分为银行汇票和商业汇票。
Drafts include 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 draft refers to the act of a drawer to sign and deliver the draft to the 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 payees 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 draft shall bear the following items:
（一）表明“汇票”的字样；
1.Chinese characters denoting “draft”;
（二）无条件支付的委托；
2.Commiion on unconditional payment;
（三）确定的金额；
3.The amount of money fixed;
（四）付款人名称； 4.Name of the payer;
（五）收款人名称； 5.Name of the payee;
（六）出票日期； 6.Date of draft;
（七）出票人签章。7.Signature of the drawer.汇票上未记载前款规定事项之一的，汇票无效。A draft lacking one of the items listed above is invalid.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 draft recorded on the draft shall be clear and definite.汇票上未记载付款日期的，为见票即付。
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 busine 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 a draft does not bear the place of draft, the place of draft shall be taken as the busine site or residence of the drawer or the place where the drawer often lives.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 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 recorded in one of the following forms:
（一）见票即付； 1.Payable at sight;
（二）定日付款； 2.Dated payment;
（三）出票后定期付款；
3.Payable on a fixed date after draft;
（四）见票后定期付款。
4.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.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 The holder of a draft may transfer the rights aociated with the draft or authorize others to exercise some of the rights.出票人在汇票上记载“不得转让”字样的，汇票不得转让。
If the drawer writes the Chinese characters meaning “Not Transferable” 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 holder shall endorse it 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 items concerned on the backside of a draft or on the allonge to the draft with a signature or seal put to the record.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 If the draft instrument has not enough space to satisfy the needs of writing, an allonge may be attached.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 who writes on the allonge shall put his/her signature or seal to the sticking line of 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 endorser, with the date of endorsement.背书未记载日期的，视为在汇票到期日前背书。
An endorsement without date shall be regarded as an endorsement before the due date.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 draft is endorsed over to another person entirely or in part, the draft shall bear the name of the endorser.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 In endorsing over a draft to others, the endorsement shall be in uninterrupted series.The holder shall prove the rights aociated with the draft by an uninterrupted series of endorsement.If a draft is not endorsed over to another person, the holder shall put to the proof the right on the draft according to law.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 In endorsing a draft to others, the subsequent endorser shall be responsible for the authenticity of the endorsement by the immediate prior endorser.后手是指在票据签章人之后签章的其他票据债务人。
The subsequent endorser refers to the other debtors involved in the draft signed after the signer of the draft.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 An endorsement shall not have conditions attached, If an endorsement has conditions attached, the conditions do not have the effect on the draft.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。
The endorsement which transfers part or the entire amount on the draft to two or more persons is 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 If an endorser writes the words “Not Transferable” on a draft and the draft is transferred by the subsequent endorser, the original endorser shall not bear the liability of guarantee to the subsequent endorsee.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 If an endorsement bears the word “Collection”, the endorsee has the right to exercise the rights to the draft commiioned on behalf of the endorser.But the endorsee shall not re-endorse over a draft to others.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 mortgaged.In mortgaging a draft, the word “Hypothecation” shall be written in the form of endorsement.When having acquired the hypothecation according to law, the endorsee may exercise the rights to the draft.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 draft shall not be endorsed over to others when it has been refused to pay or accepted or the time of payment as indicated is overdue.If such a draft is endorsed over to others, the endorser shall bear the liability of the draft.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.If an endorser cannot get the draft accepted or paid, the endorser shall undertake to claim payment in the amount of the draft plus expenses from the holder as provided in Article 70 and Article 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 For a draft payable on a fixed date or on a fixed date set after the date of draft, the holder shall make presentation for acceptance to the payer before the due date of draft.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。
Presentation for acceptance refers to the act of the holder to present the draft and demand for the pledge of the payer to pay.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 a draft payable on a fixed date after sight, the holder shall present it for acceptance to the payer within one month starting from the date of draft.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 holder has failed to make presentation for acceptance according to the prescribed time limit, that holder shall lose the right of recourse against the prior holder.见票即付的汇票无需提示承兑。
No presentation for acceptance is neceary for a draft payable at sight.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 A payer shall accept or refuse to accept a draft for which the presentation for acceptance has been made within three days after receiving the draft for which presentation for acceptance is made.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。
After receiving the draft for which presentation for acceptance is made, the payer shall sign an acknowledgment for receiving the draft.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 In accepting a draft, the payer shall write “Accepted” acro the face of the draft and the date of acceptance and fix the seal.For a draft payable on a fixed date after sight, the date of payment shall be recorded in 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 taken as 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 There shall be no conditions attached in accepting a draft.If there are conditions attached in acceptance, it shall be regarded as refusal of acceptance.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 After accepting a draft, the payer shall be liable to pay when the draft is due.第四节保证
Section 4 Guarantee
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。
Article 45 A guarantor shall undertake the liabilities of guaranty for the debt involved in the draft.A guarantor shall be some person other than the debtor of the draft.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 A guarantor shall record the following items on the draft or allonge:
（一）表明“保证”的字样；
1.The word “Guarantee”;
（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.Name of the guaranteed party;
（四）保证日期；
4.Signature or seal of the guarantor.（五）保证人签章。
5.guarantor visa
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 If a guarantor has failed to record item 3 of the preceding article on the draft or allonge, the acceptor shall be the guaranteed party of the accepted draft;and the drawer shall be the guaranteed party for the draft not accepted.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 A guarantor shall guarantee that there are no conditions attached.If conditions have been attached, they shall not affect the liability of guaranty for the draft.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 A guarantor shall undertake the liability of guaranty for the right to the draft enjoyed by the holder who has acquired the draft according to law, except cases when the debt guaranteed has become invalid due to inadequate recording in the draft.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 A guarantor shall undertake several liability together with the guaranteed for the draft under guarantee.If the draft is not paid when due, the holder has the right to demand the guarantor for payment and the guarantor shall pay the full amount.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 If there are two or more guarantors, the guarantors shall undertake a joint and several 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 draft debt is cleared, the guarantor may exercise the right of recourse of the holder against the guaranteed and the prior holder.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 A holder of a draft shall make presentation for payment according to 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.Presentation for payment shall be made to the payer within one month starting from the date of draft for a draft payable at sight;
（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。
2.Presentation for payment shall be made to the acceptor within 10 days starting from the due date for a draft payable on a fixed date or on a fixed date after the date of draft or on a fixed date after sight.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。
When the holder has failed to make presentation for payment within the time limited prescribed in the preceding paragraph and some explanations are made, the acceptor or payer shall continue to undertake the liability of payment to the holder.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。
If the presentation for payment is made through banks entrusted with collection or through negotiable instruments exchange system, it shall be regarded as presentation for payment made by the holder.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 If a holder presents for payment according to the provisions of the preceding article, the payer shall pay in the full amount of the draft on the same day.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 If a holder has got the payment, the holder shall sign the draft and hand the draft to the payer.If a holder has entrusted a bank for the collection, the bank entrusted shall enter into the account of the holder the amount of the draft collected and that shall be regarded as signed and accepted.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。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。
Article 56 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 In making out payments, the payer or its entrusted payer shall examine the consistency of the endorsement and check the legal identification or valid documents of the person who makes presentation for payment.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。
If a payer or its entrusted payer makes the payment out of malicious motives or out of major blunder, the payer or its entrusted payer shall bear the liabilities on their own.
