本文選題：票據(jù)影像　切入點(diǎn)：票據(jù)交換所　出處：《寧波大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：鑒于目前票據(jù)影像交換制度發(fā)展停滯不前，使得其本身所具有的秩序和效益價(jià)值難以發(fā)揮，本文將從法律制度層面分析其缺陷所在，結(jié)合國外做法，提出完善建議，期許能一定程度上解除發(fā)展的瓶頸。 文章共分為三個部分，第一部分撰寫票據(jù)影像交換制度的法理基礎(chǔ)，從票據(jù)制度的理論基礎(chǔ)開始闡述票據(jù)的性質(zhì)、功能、嚴(yán)格，保證文章寫作中能夠始終把握票據(jù)本質(zhì)，這樣才能更好研究票據(jù)交換制度，如特征、種類、功能，同時(shí)將其同電子票據(jù)進(jìn)行對比，這樣對于票據(jù)影像制度有一個宏觀性的把握。 文章第二部分闡述我國票據(jù)影像交換制度的現(xiàn)狀，針對支票影像交換系統(tǒng)運(yùn)行以來出現(xiàn)退票居高不下、金額限制過于嚴(yán)格、形式要求過于嚴(yán)苛、票據(jù)拒付制度過于嚴(yán)格、提示付款期限過于嚴(yán)格等問題進(jìn)行分析，主要原因是票據(jù)影像的效力尚未得到法律上的認(rèn)可，票據(jù)影像交換參與者法律責(zé)任不明確，票據(jù)影像體系不健全，配套制度不完善，票據(jù)的信用基礎(chǔ)差。 文章第三部分，針對我國目前票據(jù)影像交換制度存在缺陷，結(jié)合國外在這幾個方面的做法，提出了幾點(diǎn)見解：確立票據(jù)最大有效性原則；明確票據(jù)影像交換的法律地位，，需要在《票據(jù)法》中明確票據(jù)影像交換具有同實(shí)物提示付款具有同等的法律效力；完善票據(jù)影像交換體系，建立票據(jù)綜合處理中心，綜合處理各項(xiàng)業(yè)務(wù)，實(shí)現(xiàn)票據(jù)的集約化處理，同時(shí)要完善銀行機(jī)構(gòu)電子印鑒核驗(yàn)系統(tǒng)，使用小額支付系統(tǒng)完成票據(jù)清算；完善票據(jù)影像退票制度，規(guī)范退票行為，制定與票據(jù)影像相關(guān)的行業(yè)標(biāo)準(zhǔn)，明確退票責(zé)任；建立票據(jù)的全國信用制度，主要為建立票據(jù)全國信用體系、將退票信息納入征信體系。
[Abstract]:In view of the stagnant development of the bill image exchange system, which makes it difficult to bring its order and benefit value into full play, this paper will analyze its defects from the legal system level, and put forward some suggestions on how to improve the system. It is hoped that the bottleneck of development will be lifted to a certain extent. The article is divided into three parts. The first part is to write the legal basis of the bill image exchange system, start from the theoretical basis of the bill system, explain the nature, function, strict, ensure that the article writing can always grasp the essence of the bill. In this way, we can better study the system of bill exchange, such as characteristics, types, functions, and compare it with electronic bills, so that we can have a macro grasp of the system of bill image. The second part of the article expounds the present situation of the bill image exchange system in our country. In view of the high number of refund since the operation of the cheque image exchange system, the amount of money is too strict, the formal requirements are too strict, and the bill repudiation system is too strict. The main reasons are that the validity of the bill image has not yet been legally recognized, the legal liability of the participants in the bill image exchange is not clear, the bill image system is not perfect, and the supporting system is not perfect. The credit base of bills is poor. In the third part, in view of the defects of the present system of bill image exchange in our country, combined with the practice of foreign countries in these aspects, some opinions are put forward: to establish the principle of maximum validity of bill, to make clear the legal status of bill image exchange, It is necessary to make clear in the negotiable instrument Law that the bill image exchange has the same legal effect as the payment of the presentation in kind, to perfect the bill image exchange system, to establish a comprehensive bill processing center, and to comprehensively handle all kinds of business, To realize the intensive processing of bills, at the same time, we should perfect the electronic seal verification system of banking institutions, use the small payment system to complete the bill clearing, perfect the bill image refund system, standardize the refund behavior, and formulate the industry standards related to the bill image. The main purpose of establishing the national credit system of the bill is to establish the national credit system of the bill and bring the refund information into the credit system.
【學(xué)位授予單位】：寧波大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：D922.287

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