论“银行中心”票据体制的修正

发布时间：2018-02-16 01:56

本文关键词： 银行信用票据法票据商业票据　出处：《宁波大学》2017年硕士论文　论文类型：学位论文

【摘要】：《票据法》立法之初所形成的“银行中心”票据体制对我国票据法律关系及规则的构建产生了深刻的影响。本文试图通过明确银行地位、提出存在问题、分析修正必要性以及具体制度设计四个部分对修正我国“银行中心”票据体制展开论述,为其提供理论和实践上的支持。第一部分对我国当前票据法上银行是何地位作出说明并分析此种规定的原因。首先,从票据种类这一角度入手,目前存在的银行汇票、银行承兑汇票、银行本票及支票,占据了票据的绝大多数,且都为银行票据。其次,银行在票据业务的各流程均占据了主导性的地位,是连接票据相关当事人的枢纽。最后,在我国的票据体制中银行信用占据着绝对的中心地位。这是我国市场经济尚未确立时期的作法,基于商业信用不健全及全国性票据市场制度尚未形成的现实状况而如此规定。第二部分分析此种“银行中心”票据体制规定存在的问题。第一个方面是对于商业票据签发的限制性规定,我国票据法上缺少融通性票据及相应商业本票的规定,对出票人资格作出了极大的限制。第二个方面是票据法赋予了银行强势的市场地位和管理资质,分别从同城结算、一部付款、票据时效、银行规则效力、银行责任几方面进行论述其权利义务规定上的不合理之处。第三部分提出修正“银行中心”票据体制的依据所在,首先是基于市场主体平等性的要求,银行开始由准行政机构向市场主体转化,各类商事主体都有着平等发展的愿望。其次是出于培育市场信用的需要,社会主义市场经济有了长足的发展,票据的信用融资功能需要得到发挥。最后是基于健全票据体制的要求,适度修正此种票据体制对于发展全国性票据市场制度,构建平等的票据法观念有着积极意义。第四部分为修正我国当前票据体制提出建议,通过具体制度的构建对票据法上不合理的银行地位做出改变。文章主要从发展和推动商业信用,全面承认商业票据;建立银行与其他民商事主体票据权利、义务平等一致性三个方面展开。
[Abstract]:The "Bank-Center" bill system formed at the beginning of the Bill Law has had a profound impact on the construction of the legal relationship and rules of the bill in China. This paper attempts to put forward the existing problems by clarifying the status of the bank. This paper analyzes the necessity of amendment and four parts of system design to discuss the amendment of "bank center" bill system in China. The first part explains the status of the bank in the current negotiable instrument law of our country and analyzes the reason of this kind of regulation. First, from the angle of the kind of bill, the bank draft that exists at present. Banks accept bills of exchange, promissory notes and cheques, which account for the vast majority of bills, and they are all bank notes. Secondly, banks occupy a dominant position in the various processes of the bill business, and they are the hubs connecting the parties concerned with the bill. In our country's bill system, bank credit occupies an absolute central position. This is the practice of the period when the market economy of our country has not been established. Based on the fact that the commercial credit is not perfect and the national bill market system has not yet been formed, the second part analyzes the problems existing in the regulation of this kind of "bank center" bill system. The first aspect is about the business. Restrictive provisions for the issuance of bills, In our country's negotiable instruments law, there is a lack of provisions on the negotiable instruments and the corresponding commercial promissory notes, which greatly restrict the qualifications of the issuers. The second aspect is that the negotiable instruments law gives banks a strong market position and management qualifications, which are settled separately from the same city. Part one discusses the irrationality of the provisions of rights and obligations in the aspects of payment, prescription of instruments, validity of bank rules, and bank liability. The third part puts forward the basis for amending the system of "bank center" instruments. First of all, on the basis of the requirement of equality of market subjects, banks begin to transform from quasi-administrative agencies to market subjects. All kinds of commercial subjects have the desire to develop equally. Secondly, it is necessary to cultivate market credit. With the rapid development of the socialist market economy, the function of credit financing of bills needs to be brought into play. Finally, based on the requirements of improving the bill system, the moderate revision of this kind of bill system will contribute to the development of the national bill market system. It is of positive significance to construct the concept of equal negotiable instrument law. Part 4th puts forward some suggestions for revising the current bill system in China. Through the construction of specific system to make changes to the unreasonable bank position in the negotiable instrument law. The article mainly from the development and promotion of commercial credit, fully recognize commercial paper; establish the rights of bank and other civil and commercial subjects bill, The equality and consistency of obligations are carried out in three aspects.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.287

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