KYB CHINA(1997年6月23日国务院批准 1997年8月21日中国人民银行令第2号发布 根据2011年1月8日《国务院关于废止和修改部分行政法规的决定》修订)
(Approved by the State Council on June 23, 1997, promulgated by Order No. 2 of the People's Bank of China on August 21, 1997, and revised in accordance with the Decision of the State Council on Abolishing and Amending Certain Administrative Regulations on January 8, 2011)
为了加强票据管理，维护金融秩序，根据《中华人民共和国票据法》(以下简称票据法)的规定，制定本办法。
These Measures are formulated in accordance with the provisions of the Negotiable Instrument Law of the People's Republic of China (hereinafter referred to as the Negotiable Instrument Law) for the purpose of strengthening the administration of negotiable instruments and maintaining financial order.
在中华人民共和国境内的票据管理，适用本办法。
These Measures apply to the administration of negotiable instruments within the territory of the People's Republic of China.
中国人民银行是票据的管理部门。
The People's Bank of China is the administrative authority for negotiable instruments.
票据管理应当遵守票据法和本办法以及有关法律、行政法规的规定，不得损害票据当事人的合法权益。
The administration of negotiable instruments shall comply with the provisions of the Negotiable Instrument Law, these Measures, and relevant laws and administrative regulations, and shall not harm the lawful rights and interests of the parties to negotiable instruments.
票据当事人应当依法从事票据活动，行使票据权利，履行票据义务。
Parties to negotiable instruments shall engage in negotiable instrument activities in accordance with the law, exercise rights under negotiable instruments, and perform obligations under negotiable instruments.
票据当事人应当使用中国人民银行规定的统一格式的票据。
Parties to negotiable instruments shall use negotiable instruments in the unified format prescribed by the People's Bank of China.
银行汇票的出票人，为经中国人民银行批准办理银行汇票业务的银行。
The issuer of a bank draft shall be a bank approved by the People's Bank of China to handle bank draft business.
银行本票的出票人，为经中国人民银行批准办理银行本票业务的银行。
The issuer of a bank promissory note shall be a bank approved by the People's Bank of China to handle bank promissory note business.
商业汇票的出票人，为银行以外的企业和其他组织。
The issuer of a commercial draft shall be an enterprise or other organization other than a bank.
向银行申请办理汇票承兑的商业汇票的出票人，必须具备下列条件：
A commercial draft issuer applying to a bank for acceptance of the draft must meet the following conditions:
(一)在承兑银行开立存款账户；
(1) Having a deposit account opened with the accepting bank;
(二)资信状况良好，并具有支付汇票金额的可靠资金来源。
(2) Having good credit standing and reliable sources of funds to pay the draft amount.
承兑商业汇票的银行，必须具备下列条件：
A bank that accepts a commercial draft must meet the following conditions:
(一)与出票人具有真实的委托付款关系；
(1) Having a genuine entrusted payment relationship with the issuer;
(二)具有支付汇票金额的可靠资金。
(2) Having reliable funds to pay the draft amount.
向银行申请办理票据贴现的商业汇票的持票人，必须具备下列条件：
A holder of a commercial draft applying to a bank for discount of the draft must meet the following conditions:
(一)在银行开立存款账户；
(1) Having a deposit account opened with the bank;
(二)与出票人、前手之间具有真实的交易关系和债权债务关系。
(2) Having a genuine transaction relationship and creditor-debtor relationship with the issuer and prior endorsers.
支票的出票人，为在经中国人民银行批准办理支票存款业务的银行、城市信用合作社和农村信用合作社开立支票存款账户的企业、其他组织和个人。
The issuer of a check shall be an enterprise, other organization, or individual that has opened a check deposit account with a bank, urban credit cooperative, or rural credit cooperative approved by the People's Bank of China to handle check deposit business.
票据法所称“保证人”，是指具有代为清偿票据债务能力的法人、其他组织或者个人。
The term "guarantor" as used in the Negotiable Instrument Law refers to a legal person, other organization, or individual that has the capacity to repay negotiable instrument debts on behalf of another.
国家机关、以公益为目的的事业单位、社会团体、企业法人的分支机构和职能部门不得为保证人；但是，法律另有规定的除外。
State organs, public institutions and social groups with public welfare purposes, and branches and functional departments of enterprise legal persons shall not act as guarantors; however, unless otherwise provided by law.
银行汇票上的出票人的签章、银行承兑商业汇票的签章，为该银行的汇票专用章加其法定代表人或者其授权的代理人的签名或者盖章。
The signature or seal of the issuer on a bank draft and the signature or seal of the bank accepting a commercial draft shall be the bank's draft special seal plus the signature or seal of its legal representative or authorized agent.
银行本票上的出票人的签章，为该银行的本票专用章加其法定代表人或者其授权的代理人的签名或者盖章。
The signature or seal of the issuer on a bank promissory note shall be the bank's promissory note special seal plus the signature or seal of its legal representative or authorized agent.
银行汇票专用章、银行本票专用章须经中国人民银行批准。
The bank draft special seal and bank promissory note special seal must be approved by the People's Bank of China.
商业汇票上的出票人的签章，为该单位的财务专用章或者公章加其法定代表人或者其授权的代理人的签名或者盖章。
The signature or seal of the drawer on a commercial draft shall be the financial seal or official seal of the entity plus the signature or seal of its legal representative or authorized agent.
支票上的出票人的签章，出票人为单位的，为与该单位在银行预留签章一致的财务专用章或者公章加其法定代表人或者其授权的代理人的签名或者盖章；出票人为个人的，为与该个人在银行预留签章一致的签名或者盖章。
For the signature or seal of the drawer on a check, if the drawer is an entity, it shall be the financial seal or official seal consistent with the seal reserved at the bank plus the signature or seal of its legal representative or authorized agent; if the drawer is an individual, it shall be the signature or seal consistent with the seal reserved at the bank by that individual.
票据法所称“本名”，是指符合法律、行政法规以及国家有关规定的身份证件上的姓名。
The term 'real name' as used in the Negotiable Instruments Law refers to the name on the identity document that complies with laws, administrative regulations, and relevant state provisions.
出票人在票据上的签章不符合票据法和本办法规定的，票据无效；背书人、承兑人、保证人在票据上的签章不符合票据法和本办法规定的，其签章无效，但是不影响票据上其他签章的效力。
If the drawer's signature or seal on an instrument does not comply with the Negotiable Instruments Law and these Measures, the instrument is invalid; if the endorser, acceptor, or guarantor's signature or seal does not comply, that signature or seal is invalid, but it does not affect the validity of other signatures or seals on the instrument.
票据法所称“代理付款人”，是指根据付款人的委托，代其支付票据金额的银行、城市信用合作社和农村信用合作社。
The term 'agent payer' as used in the Negotiable Instruments Law refers to a bank, urban credit cooperative, or rural credit cooperative that, upon the entrustment of the payer, pays the instrument amount on its behalf.
票据法规定可以办理挂失止付的票据丧失的，失票人可以依照票据法的规定及时通知付款人或者代理付款人挂失止付。
If an instrument that can be reported for loss and stop-payment under the Negotiable Instruments Law is lost, the lost instrument holder may promptly notify the payer or agent payer to report the loss and stop payment in accordance with the Negotiable Instruments Law.
失票人通知票据的付款人或者代理付款人挂失止付时，应当填写挂失止付通知书并签章。挂失止付通知书应当记载下列事项：
When the lost instrument holder notifies the payer or agent payer of the loss and stop-payment, they shall fill out a loss report and stop-payment notice and affix their signature or seal. The loss report and stop-payment notice shall record the following items:
(一)票据丧失的时间和事由；
(1) The time and reason for the loss of the instrument;
(二)票据种类、号码、金额、出票日期、付款日期、付款人名称、收款人名称；
(2) The type, number, amount, date of issue, date of payment, name of payer, and name of payee of the instrument;
(三)挂失止付人的名称、营业场所或者住所以及联系方法。
(3) The name, business premises or residence, and contact information of the person reporting the loss and stop-payment.
付款人或者代理付款人收到挂失止付通知书，应当立即暂停支付。付款人或者代理付款人自收到挂失止付通知书之日起12日内没有收到人民法院的止付通知书的，自第13日起，挂失止付通知书失效。
Upon receiving the loss report and stop-payment notice, the payer or agent payer shall immediately suspend payment. If the payer or agent payer does not receive a stop-payment order from the people's court within 12 days from the date of receiving the loss report and stop-payment notice, the loss report and stop-payment notice shall become invalid from the 13th day.
付款人或者代理付款人在收到挂失止付通知书前，已经依法向持票人付款的，不再接受挂失止付。
If the payer or agent payer has already paid the holder in accordance with the law before receiving the loss report and stop-payment notice, they shall no longer accept the loss report and stop-payment.
申请人申请开立支票存款账户的，银行、城市信用合作社和农村信用合作社可以与申请人约定在支票上使用支付密码，作为支付支票金额的条件。
When an applicant applies to open a checking account, the bank, urban credit cooperative, or rural credit cooperative may agree with the applicant to use a payment password on the check as a condition for paying the check amount.
保证人应当依照票据法的规定，在票据或者其粘单上记载保证事项。保证人为出票人、付款人、承兑人保证的，应当在票据的正面记载保证事项；保证人为背书人保证的，应当在票据的背面或者其粘单上记载保证事项。
A guarantor shall record the guarantee matters on the instrument or its allonge in accordance with the Negotiable Instruments Law. If the guarantor guarantees for the drawer, payer, or acceptor, the guarantee matters shall be recorded on the front of the instrument; if the guarantor guarantees for the endorser, the guarantee matters shall be recorded on the back of the instrument or its allonge.
依法背书转让的票据，任何单位和个人不得冻结票据款项；但是，法律另有规定的除外。
For an instrument transferred by endorsement in accordance with the law, no entity or individual may freeze the instrument amount, unless otherwise provided by law.
票据法第五十五条所称“签收”，是指持票人在票据的正面签章，表明持票人已经获得付款。
The term 'signature and receipt' as used in Article 55 of the Negotiable Instruments Law refers to the holder affixing their signature or seal on the front of the instrument to indicate that the holder has received payment.
通过委托收款银行或者通过票据交换系统向付款人提示付款的，持票人向银行提交票据日为提示付款日。
If presentment for payment is made to the payer through a collecting bank or through the instrument exchange system, the date on which the holder submits the instrument to the bank shall be the date of presentment for payment.
票据法第六十二条所称“拒绝证明”应当包括下列事项：
The 'proof of dishonor' as used in Article 62 of the Negotiable Instruments Law shall include the following items:
(一)被拒绝承兑、付款的票据的种类及其主要记载事项；
(1) The type of instrument dishonored for acceptance or payment and its main recorded items;
(二)拒绝承兑、付款的事实依据和法律依据；
(2) The factual basis and legal basis for the dishonor of acceptance or payment;
(三)拒绝承兑、付款的时间；
(3) The time of dishonor of acceptance or payment;
(四)拒绝承兑人、拒绝付款人的签章。
(4) The signature or seal of the person dishonoring acceptance or payment.
票据法第六十二条所称“退票理由书”应当包括下列事项：
The 'statement of reasons for dishonor' as used in Article 62 of the Negotiable Instruments Law shall include the following items:
(一)所退票据的种类；
(1) The type of instrument dishonored;
(二)退票的事实依据和法律依据；
(2) The factual basis and legal basis for the dishonor;
(三)退票时间；
(3) Time of return of the instrument;
(四)退票人签章。
(4) Signature or seal of the person returning the instrument.
票据法第六十三条规定的“其他有关证明”是指：
The 'other relevant certificates' as referred to in Article 63 of the Negotiable Instruments Law mean:
(一)医院或者有关单位出具的承兑人、付款人死亡的证明；
(1) Certificates issued by a hospital or relevant unit proving the death of the acceptor or payer;
(二)司法机关出具的承兑人、付款人逃匿的证明；
(2) Certificates issued by a judicial authority proving the abscondence of the acceptor or payer;
(三)公证机关出具的具有拒绝证明效力的文书。
(3) Documents issued by a notary public having the effect of a certificate of dishonor.
票据法第七十条第一款第(二)项、第七十一条第一款第(二)项规定的“利率”，是指中国人民银行规定的流动资金贷款利率。
The 'interest rate' as referred to in Article 70, paragraph 1, item (2) and Article 71, paragraph 1, item (2) of the Negotiable Instruments Law means the interest rate for working capital loans prescribed by the People's Bank of China.
有票据法第一百零二条所列行为之一，情节轻微，不构成犯罪的，由公安机关依法予以处罚。
Whoever commits any of the acts listed in Article 102 of the Negotiable Instruments Law, if the circumstances are minor and do not constitute a crime, shall be punished by the public security authority according to law.
签发空头支票或者签发与其预留的签章不符的支票，不以骗取财物为目的的，由中国人民银行处以票面金额5%但不低于1000元的罚款；持票人有权要求出票人赔偿支票金额2%的赔偿金。
Whoever issues a bounced check or a check that does not match the reserved signature or seal, without the purpose of defrauding property, shall be fined by the People's Bank of China an amount equal to 5% of the face amount of the check but not less than 1,000 yuan; the holder has the right to demand from the drawer compensation equal to 2% of the check amount.
金融机构的工作人员在票据业务中玩忽职守，对违反票据法和本办法规定的票据予以承兑、付款、保证或者贴现的，对直接负责的主管人员和其他直接责任人员给予警告、记过、撤职或者开除的处分；造成重大损失，构成犯罪的，依法追究刑事责任。
If a staff member of a financial institution neglects their duty in negotiable instrument business and accepts, pays, guarantees, or discounts instruments that violate the provisions of the Negotiable Instruments Law and these Measures, the directly responsible person in charge and other directly responsible persons shall be given sanctions such as warning, demerit recording, removal from office, or dismissal; if significant losses are caused and a crime is constituted, criminal liability shall be pursued according to law.
票据的付款人对见票即付或者到期的票据，故意压票、拖延支付的，由中国人民银行处以压票、拖延支付期间内每日票据金额0.7‰的罚款；对直接负责的主管人员和其他直接责任人员给予警告、记过、撤职或者开除的处分。
If the payer of a negotiable instrument intentionally delays payment or postpones payment for an instrument payable on sight or at maturity, the People's Bank of China shall impose a fine of 0.7‰ of the daily instrument amount for the period of delay; the directly responsible person in charge and other directly responsible persons shall be given sanctions such as warning, demerit recording, removal from office, or dismissal.
违反中国人民银行规定，擅自印制票据的，由中国人民银行责令改正，处以1万元以上20万元以下的罚款；情节严重的，中国人民银行有权提请有关部门吊销其营业执照。
Whoever prints negotiable instruments without authorization in violation of the regulations of the People's Bank of China shall be ordered by the People's Bank of China to make corrections and be fined not less than 10,000 yuan but not more than 200,000 yuan; if the circumstances are serious, the People's Bank of China has the right to request the relevant department to revoke its business license.
票据的格式、联次、颜色、规格及防伪技术要求和印制，由中国人民银行规定。
The format, number of copies, color, specifications, anti-counterfeiting technical requirements, and printing of negotiable instruments shall be prescribed by the People's Bank of China.
中国人民银行在确定票据格式时，可以根据少数民族地区和外国驻华使领馆的实际需要，在票据格式中增加少数民族文字或者外国文字。
When determining the format of negotiable instruments, the People's Bank of China may, based on the actual needs of ethnic minority regions and foreign embassies and consulates in China, add ethnic minority languages or foreign languages to the instrument format.
本办法自1997年10月1日起施行。
These Measures shall come into effect as of October 1, 1997.