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支票是出票人签发的以银行为付款人的一种见票即付的票据。它是一种要式证劵,必须符合法律规定的要件才具有法律效力。支票必须是书面形式,一般记载应满足下列事项:1)出票人签名;2)无条件支付委托;3)支付金额确定;4)发票时间;5)付款人、付款地。它具有如下特点:1)付款人(drawee)总是银行,而汇票的付款人通常是某一特定的人或公司。2)一般说来,出票人须在付款银行有足以支付支票的存款或其他资金关系,如透支契约。如果支票被拒付是因为出票人故意开立支票诈欺受款人而骗取钱财时,则在大多数国家中,根据有关空头支票(dad check)的法律,出票人不仅要承担民事责任,而且将受到刑事制裁。如果汇票被拒付,其发票人只承担民事责任。
A check is a ticket issued by the drawer with a bank as a payer. It is an important type of securities, must meet the requirements of the law only have the force of law. The check must be in writing. The general record should meet the following requirements: 1) the drawer's signature; 2) the unconditional payment commission; 3) the payment amount; 4) the invoice time; It has the following characteristics: 1) The drawee is always a bank, and the bill payer is usually a specific person or company. 2) In general, the drawer must have a deposit or other financial relationship at the payer bank sufficient to pay the check, such as an overdraft contract. If the check was refused because the drawer intentionally opened a check to defraud the payee to defraud the money, then in most countries the drawer would not only have to bear civil liability under the law relating to dad check , And will be subject to criminal sanctions. If the draft is refused payment, the invoice only bear civil liability.