本文關鍵詞： 票據不當付款 判斷標準 銀行責任 完善建議　出處：《哈爾濱商業(yè)大學》2014年碩士論文　論文類型：學位論文

【摘要】：在商品經濟高度發(fā)展的當今社會,票據以其所具有的補充貨幣甚至代替貨幣的各種功能,越來越成為不可或缺的支付工具。票據若想流通必須依托于專門的從事貨幣匯兌等業(yè)務的金融機構的發(fā)展,離開了金融機構的付款,那么票據的職能就無法實現。銀行作為金融支付的重要的工具,其自身作用不言而喻,而銀行對票據付款是《票據法》中最重要的的內容。但是,《票據法》以及相關行政法規(guī)和司法解釋對相關內容規(guī)定本身就存在很多沖突。 票據之所以沒有被激烈的市場競爭排擠出歷史舞臺,甚至還被稱作“商業(yè)貨幣”那是因為其具有的特殊功能決定的。通常情況之下,我們在處理問題時應該將“票據付款”理解為“票據付款制度”才不會產生誤解。非對稱信息普遍存在的市場經濟條件下,對銀行付款會產生重大的影響,必須尋求出解決辦法才會維護票據市場的穩(wěn)定。 根據銀行承擔付款責任的主觀心理狀態(tài)可以將銀行對票據付款分為兩類：一類是作為本人付款,一類是作為代理人付款。銀行不當付款有兩種情形：一種是錯誤付款,另一種是拒絕付款。銀行承擔票據不當付款責任的性質是什么?判斷銀行是否違反審查義務的標準?什么情況下會產生侵權責任?銀行承擔責任應遵循的原則是什么?這些問題都是亟待解決的,若不能處理好,就不能從根本上解決票據市場長期混亂的局面。
[Abstract]:In the modern society with the high development of commodity economy, the bill has all kinds of functions to replace the currency with its supplementary currency. Bills must rely on the development of special financial institutions engaged in currency exchange and other business, leaving the payment of financial institutions. Then the function of bill can not be realized. As an important tool of financial payment, the bank's own function is self-evident, and the bank's payment to the bill is the most important content in "negotiable instrument Law". However. There are a lot of conflicts about the relevant contents in the Bill Law and related administrative regulations and judicial interpretations. Bills are not excluded from the historical arena by fierce market competition, or even called "commercial currency" that is determined by their special function. Usually. When we deal with the problem, we should understand "bill payment" as "bill payment system" in order to avoid misunderstandings. Under the condition of market economy where asymmetric information exists, it will have great influence on bank payment. A solution must be found to maintain the stability of the paper market. According to the subjective state of mind of the bank to bear the responsibility for payment, the bank can be divided into two types of payment on bills: one is to pay as oneself. One is to pay as an agent. There are two cases of improper bank payment: one is false payment and the other is refusal to pay. What is the nature of the bank's responsibility for improper payment of bills? Criteria for determining whether banks are in breach of their vetting obligations? Under what circumstances will tort liability arise? What are the principles that banks should follow in assuming responsibility? These problems are urgent to be solved, if can not be handled well, can not fundamentally solve the long-term chaotic situation of the paper market.
【學位授予單位】：哈爾濱商業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：D922.287

【共引文獻】

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