Article 18 The holder of a negotiable instrument who forfeits his rights thereon by reason of limitation of time or defects in specified particulars on the instrument still has civil rights and he is entitled to demand the drawer or acceptor to make a refund equivalent to the sum in the instrument not yet paid.

第二章 汇票

Bills of Exchange

第一节 出票

Section 1  Issue

第十九条 汇票是出票人签发的，委托付款人在见票时或者在指定日期无条件支付确定的金额给收款人或者持票人的票据。

Article 19 A bill of exchange is a negotiable instrument, signed and issued by the drawer, who authorizes the drawee to pay unconditionally a sum certain in money to the payee or the holder at sight or on a specified date.

汇票分为银行汇票和商业汇票。

Bills of exchange include banker's bills and commercial bills.

第二十条 出票是指出票人签发票据并将其交付给收款人的票据行为。

Article 20 "Issue" means a drawer's signing of a bill of exchange and delivering of it to the payee.

第二十一条 汇票的出票人必须与付款人具有真实的委托付款关系，并且具有支付汇票金额的可靠资金来源。

Article 21 The drawer of a bill of exchange must maintain a bona fide relationship of entrusted payment with the drawee and have a reliable source of funds to pay the amount of sum on the bill.

不得签发无对价的汇票用以骗取银行或者其他票据当事人的资金。

No one may sign and issue bills of exchange without consideration to defraud fund from a bank or other parties to the bills.

第二十二条 汇票必须记载下列事项：

Article 22 The following particulars shall be specified on a bill of exchange:

（一）表明“汇票”的字样；

(1) words expressing it to be a bill of exchange;

（二）无条件支付的委托；

(2) an unconditional order to pay;

（三）确定的金额；

(3) a sum certain in money;

（四）付款人名称；

(4) name of the drawee;

（五）收款人名称；

(5) name of the payee;

（六）出票日期；

(6) date of issue; and

（七）出票人签章。

(7) signature of the drawer.

汇票上未记载前款规定事项之一的，汇票无效。

A bill of exchange is void if any of the above - mentioned particulars is not specified thereon.

第二十三条 汇票上记载付款日期、付款地、出票地等事项的，应当清楚、明确。

Article 23 The date of payment, place of payment and place of issue, if specified on a bill of exchange, shall be legible and unambiguous.

汇票上未记载付款日期的，为见票即付。

If the date of payment is not specified on a bill of exchange, the bill is payable at sight.

汇票上未记载付款地的，付款人的营业场所、住所或者经常居住地为付款地。

If the place of payment is not specified on a bill of exchange, the business premises, domicile or habitual residence of the drawee is the place of payment.

汇票上未记载出票地的，出票人的营业场所、住所或者经常居住地为出票地。

If the place of issue is not specified on a bill of exchange, the business premises, domicile or habitual residence of the drawer is the place of issue.

第二十四条 汇票上可以记载本法规定事项以外的其他出票事项，但是该记载事项不具有汇票上的效力。

Article 24 Particulars relating to the issue of a bill of exchange other than those stipulated by this Law may be specified on a bill, however, such particulars shall have no effect on the bill.

第二十五条 付款日期可以按照下列形式之一记载：

Article 25 The date of payment may be specified in one of the following manners:

（一）见票即付；

(1) payable at sight

（二）定日付款；

(2) payable at a fixed date

（三）出票后定期付款；

(3) payable at a fixed period after the date of issue; or

（四）见票后定期付款。

(4) payable at a fixed period after sight.

前款规定的付款日期为汇票到期日。

The date of payment stipulated in the preceding paragraph is the date of maturity of a bill of exchange.

第二十六条 出票人签发汇票后，即承担保证该汇票承兑和付款的责任。出票人在汇票得不到承兑或者付款时，应当向持票人清偿本法第七十条、第七十一条规定的金额和费用。

Article 26 A drawer who signs and issues a bill shall bear the liability for guaranteeing the acceptance and payment of the bill. In the event the bill is not accepted or paid, the drawer sha

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