银行对票据不当付款的责任研究

发布时间：2018-01-24 00:51

本文关键词： 票据不当付款判断标准银行责任完善建议　出处：《哈尔滨商业大学》2014年硕士论文　论文类型：学位论文

【摘要】：在商品经济高度发展的当今社会,票据以其所具有的补充货币甚至代替货币的各种功能,越来越成为不可或缺的支付工具。票据若想流通必须依托于专门的从事货币汇兑等业务的金融机构的发展,离开了金融机构的付款,那么票据的职能就无法实现。银行作为金融支付的重要的工具,其自身作用不言而喻,而银行对票据付款是《票据法》中最重要的的内容。但是,《票据法》以及相关行政法规和司法解释对相关内容规定本身就存在很多冲突。票据之所以没有被激烈的市场竞争排挤出历史舞台,甚至还被称作“商业货币”那是因为其具有的特殊功能决定的。通常情况之下,我们在处理问题时应该将“票据付款”理解为“票据付款制度”才不会产生误解。非对称信息普遍存在的市场经济条件下,对银行付款会产生重大的影响,必须寻求出解决办法才会维护票据市场的稳定。根据银行承担付款责任的主观心理状态可以将银行对票据付款分为两类：一类是作为本人付款,一类是作为代理人付款。银行不当付款有两种情形：一种是错误付款,另一种是拒绝付款。银行承担票据不当付款责任的性质是什么?判断银行是否违反审查义务的标准?什么情况下会产生侵权责任?银行承担责任应遵循的原则是什么?这些问题都是亟待解决的,若不能处理好,就不能从根本上解决票据市场长期混乱的局面。
[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.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.287

【共引文献】