近日,有位老乡的两张银行汇票交笔者代办,却先后三次被当地的两家国有商业银行退回,其理由是“写有‘多余金额’的银行汇票不能背书转让”。由于笔者曾从事过多年银行会计、联行等柜台业务,认真查阅了《票据法》和相关的支付结算制度,并向当地有关银行及上级分行打电话,进行咨询与辩论,最终使两张银行汇票得到了合理、合法的背书转让与解付。 Recently, a villager’s two bank drafts paid the author, but has three times by the two local state-owned commercial banks to return, on the grounds that “written” excess amount of bank drafts can not endorsement “. As I have been engaged in many years of bank accounting, the United Bank and other counter business, conscientiously consulted the ”Notes Law" and the relevant payment and settlement system, and to the local banks and higher branches to conduct the consultation and debate, the final two banks Bills have been reasonable and legal endorsement transfer and settlement.