《票据法》框架下的票据影像交换制度研究

发布时间：2018-03-12 16:31

本文选题：票据影像　切入点：票据交换所　出处：《宁波大学》2014年硕士论文　论文类型：学位论文

【摘要】：鉴于目前票据影像交换制度发展停滞不前，使得其本身所具有的秩序和效益价值难以发挥，本文将从法律制度层面分析其缺陷所在，结合国外做法，提出完善建议，期许能一定程度上解除发展的瓶颈。文章共分为三个部分，第一部分撰写票据影像交换制度的法理基础，从票据制度的理论基础开始阐述票据的性质、功能、严格，保证文章写作中能够始终把握票据本质，这样才能更好研究票据交换制度，如特征、种类、功能，同时将其同电子票据进行对比，这样对于票据影像制度有一个宏观性的把握。文章第二部分阐述我国票据影像交换制度的现状，针对支票影像交换系统运行以来出现退票居高不下、金额限制过于严格、形式要求过于严苛、票据拒付制度过于严格、提示付款期限过于严格等问题进行分析，主要原因是票据影像的效力尚未得到法律上的认可，票据影像交换参与者法律责任不明确，票据影像体系不健全，配套制度不完善，票据的信用基础差。文章第三部分，针对我国目前票据影像交换制度存在缺陷，结合国外在这几个方面的做法，提出了几点见解：确立票据最大有效性原则；明确票据影像交换的法律地位，，需要在《票据法》中明确票据影像交换具有同实物提示付款具有同等的法律效力；完善票据影像交换体系，建立票据综合处理中心，综合处理各项业务，实现票据的集约化处理，同时要完善银行机构电子印鉴核验系统，使用小额支付系统完成票据清算；完善票据影像退票制度，规范退票行为，制定与票据影像相关的行业标准，明确退票责任；建立票据的全国信用制度，主要为建立票据全国信用体系、将退票信息纳入征信体系。
[Abstract]:In view of the stagnant development of the bill image exchange system, which makes it difficult to bring its order and benefit value into full play, this paper will analyze its defects from the legal system level, and put forward some suggestions on how to improve the system. It is hoped that the bottleneck of development will be lifted to a certain extent. The article is divided into three parts. The first part is to write the legal basis of the bill image exchange system, start from the theoretical basis of the bill system, explain the nature, function, strict, ensure that the article writing can always grasp the essence of the bill. In this way, we can better study the system of bill exchange, such as characteristics, types, functions, and compare it with electronic bills, so that we can have a macro grasp of the system of bill image. The second part of the article expounds the present situation of the bill image exchange system in our country. In view of the high number of refund since the operation of the cheque image exchange system, the amount of money is too strict, the formal requirements are too strict, and the bill repudiation system is too strict. The main reasons are that the validity of the bill image has not yet been legally recognized, the legal liability of the participants in the bill image exchange is not clear, the bill image system is not perfect, and the supporting system is not perfect. The credit base of bills is poor. In the third part, in view of the defects of the present system of bill image exchange in our country, combined with the practice of foreign countries in these aspects, some opinions are put forward: to establish the principle of maximum validity of bill, to make clear the legal status of bill image exchange, It is necessary to make clear in the negotiable instrument Law that the bill image exchange has the same legal effect as the payment of the presentation in kind, to perfect the bill image exchange system, to establish a comprehensive bill processing center, and to comprehensively handle all kinds of business, To realize the intensive processing of bills, at the same time, we should perfect the electronic seal verification system of banking institutions, use the small payment system to complete the bill clearing, perfect the bill image refund system, standardize the refund behavior, and formulate the industry standards related to the bill image. The main purpose of establishing the national credit system of the bill is to establish the national credit system of the bill and bring the refund information into the credit system.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.287

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