本文關(guān)鍵詞： 票據(jù)不當(dāng)付款 判斷標(biāo)準(zhǔn) 銀行責(zé)任 完善建議　出處：《哈爾濱商業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：在商品經(jīng)濟(jì)高度發(fā)展的當(dāng)今社會,票據(jù)以其所具有的補(bǔ)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(jù)若想流通必須依托于專門的從事貨幣匯兌等業(yè)務(wù)的金融機(jī)構(gòu)的發(fā)展,離開了金融機(jī)構(gòu)的付款,那么票據(jù)的職能就無法實(shí)現(xiàn)。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(jù)付款是《票據(jù)法》中最重要的的內(nèi)容。但是,《票據(jù)法》以及相關(guān)行政法規(guī)和司法解釋對相關(guān)內(nèi)容規(guī)定本身就存在很多沖突。 票據(jù)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?yàn)槠渚哂械奶厥夤δ軟Q定的。通常情況之下,我們在處理問題時應(yīng)該將“票據(jù)付款”理解為“票據(jù)付款制度”才不會產(chǎn)生誤解。非對稱信息普遍存在的市場經(jīng)濟(jì)條件下,對銀行付款會產(chǎn)生重大的影響,必須尋求出解決辦法才會維護(hù)票據(jù)市場的穩(wěn)定。 根據(jù)銀行承擔(dān)付款責(zé)任的主觀心理狀態(tài)可以將銀行對票據(jù)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(dāng)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(dān)票據(jù)不當(dāng)付款責(zé)任的性質(zhì)是什么?判斷銀行是否違反審查義務(wù)的標(biāo)準(zhǔn)?什么情況下會產(chǎn)生侵權(quán)責(zé)任?銀行承擔(dān)責(zé)任應(yīng)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(jù)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(xué)位授予單位】：哈爾濱商業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：D922.287

【共引文獻(xiàn)】

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