【中英文對照版】支付結(jié)算辦法（2024修訂）

支付結(jié)算辦法(2024修訂)發(fā)文字號：中國人民銀行令〔2024〕第1號法規(guī)類別：支付結(jié)算營商環(huán)境優(yōu)化IssuingAuthority:People'sBankoDocumentNumber:OrderNo.1[2024]ofthePeople'sBankofChinaEffectiveDate:02-06-2024LevelofAuthority:DepartmentalRulesAreaofLaw:PaymentandSettlementOptimizationofDOrderofthePeople'sBankofChina中國人民((2024)第1號)TheDecisionofthePeople'sBankofChinatoofChinafor2024onFebruary2,2024,isherebyissuedandshallcomeintofo《中國人民銀行關(guān)于修改<支付結(jié)算辦法>的決定》已經(jīng)2024年2月2日中國人民銀行2024年第2February6,20242024年2月6日2第一章總則acts,protectthelegalrightsandinterestsofthepartiesinthepaymentandsettlementactivities,accelerateturnoverofcapitalandcirculationofcommoditLawofthePeople'sRepublicofChinaonNegotiaInstruments(the“NegoImplementingMeasuresfortheAdministrationof通，促進社會主義市場經(jīng)濟的發(fā)展，依據(jù)《中華人民共和國票據(jù)法》(以下簡稱《票據(jù)法》)和Article2TheseMeasuresshallapplyintheseMeasuresreferstothepaymentofmoneyinthesettlementmethodsuchasremittance,cthereof.accordingtoeconomictransactions,accurpaymentandsettlementaccordingtotheprovMeasures,andsafeguard第四條支付結(jié)算工作的任務(wù)，是根據(jù)經(jīng)濟往來組織支付結(jié)cooperatives(together,the“banks”)aswellabidebythevariousprovisionsofthe行)以及單位和個人(含個體工商戶),辦理支付結(jié)算必須遵守國家3Article6BanksshallbepaymentandsettlementandfundclearapprovalofthePeople'sBankofChinashallnotserveasArticle7Entities,individualsandbanksshalaccountsaccordingtotheprovisionsoftheMeasuresforaccountforpayment,excetheseMeasures.AnindividualtArticle9Negotiablesettlement,entities,individualsandbanksmustusethecertificatesofnegotiabltheuniformprovisionsofthePeople'sBankofChinaandthesettlementcertificatesasuniformlyprescribedbythetheformatsasuniformlyprescribedbythePeopleofChinaareused,theyshallbank.人民銀行統(tǒng)一規(guī)定格式的結(jié)算憑completingsettlementcertificates,entitiebanksshallmaketheentriesaccordingtotheseMeaheretoattached,andthefullnamesors4Article11The“signatureanentityorbankandthesignaThesignatureand/orsealofanininstrumentorasettlementcertalteration,thepersontcharacters(inwords)andArabicnumerals(iconsistentway,andanynegotiableinstrumentwithsettlementcertificatewithsuch票據(jù)無效；二者不一致的結(jié)算憑5onanegotiableinstrumentshallnotaffectthevalidityofTheterm“forge”asmentimpersonationorintalterationofaTheterm“unlawfulalteration”asmentionanactofalteringarecordedmatterotherand/orsealonthenegotiableinstruwithouttheauthorizationtoalterthecontentofArticle15Theterm“valicertificate”presentedconductingpaymentandsettlementmeansaresidentificationcard,acertificateofcertificateofpoliceofficer,certificateofcivilianofficer,certificateofsoldier,ahouseholdregistry,apassport,a法規(guī)以及國家有關(guān)規(guī)定的身份證6normaloperatingprocedures,foundnoabnormalitycertificatepresentedforverificationasrequiredwhichisamountonthenegotiableinbasicdepositaccount,ordinarydeposirightofindependentdispositionoffunds.Abouttheindividualwiththebanbyanylaworadministratibehalfofanyentityorindividual,orceasetheArticle20ThemanagementsystemofcomTheHeadOfficeofthePeosettlementsystem,organizing,coordinating,admi規(guī)定和正常操作程序?qū)彶?，對偽銀行不得為任何單位或者個人查不代任何單位或者個人凍結(jié)、扣統(tǒng)一和分級管理相結(jié)合的管理體支付結(jié)算制度，組織、協(xié)調(diào)、管7解、處理銀行之間的支付結(jié)算糾ThebranchofthePeople'sBankofChinainaprovince,autonomousregionormunicipalitydirectlyundertherulesonthebasisofthesystem,andreportsuchruarchivalpurposes.Wherenecessary,itmayformulthemwiththeapprovaloftheHeadOfficeofthePeople'sBankofChina.Thebranchesandsub-branchesofthepaymentandsettlementwithijurisdictions,andmediatingandaddroverpaymentandsettlementbetweenbankswithintheirmeasuresonthebasisoftheunifiedpaym管理、協(xié)調(diào)本行內(nèi)的支付結(jié)算工第二章票據(jù)第一節(jié)基本規(guī)定Article21Theterm“negotiableinstrument”asmentioned第二十一條本辦法所稱票Article22Theissuancenegotiableinstrumentmustbebasedontruetransactions8Aconsiderationmustbegiventoacquiinstrument,which,however,shallnotapplytoapermittednegotiableinstrumentacquiredfreeofchargebyvirtueofArticle23ThesignatureandfordraftofthebankusedwiththeapprovalofthePeople'sBankofChinaandthesignatureorsealoftbankusedupontheapprovalofthePeople'sBankofChinasealofthedrawerofabanknoteonthebankusedupontheapprovalofthePeople'sBankofChinaandthesignarepresentativeoranauthorizedrepresentativethereof.第二十三條銀行匯票的出票legalrepresentativeoranauthorizedrepresentativetThesignatureandinstrumentshallbethesignatureorsealoftheindiThesignatureandsealoftheacceptorofacommercialacceptandsealpre-submittedprovisionsoftheNegotiableInstrumentLaw,theImplementingMeasuresfortheAdministrationofNegotiableInstrumentsandtheseMeinstrumentshallbeinvalidated.Wherethe第二十四條出票人在票據(jù)上的簽章不符合《票據(jù)法》、《票據(jù)據(jù)管理實施辦法》和本辦法規(guī)定9AdministrationofNegotiableInstrumentsandtheseothersignaturesandaboveprovisions.WherethesigendorserisnotincompliancewithNegotiableInstrumentLainvalidated,butitshallnotaffectthevabyadrawermustbeincompliancewiththeprovisionsofMeasures.Mattersregardingthedrawingofaninstrumentotherthanthoseprescribedthesenseofanegotiableinstrument,andnobankshallbebanknoteoracheckbankdraftornotemarked“cash”oracheckuseArticle28Wherearegionalbankdraft,abcheckisissuedtoapayeeoutsidetheregion,oranendorsertransfersanegotiableinstrument據(jù)管理實施辦法》和本辦法規(guī)定antherendorseroutsidetheprescribedspecifdateofendorsement.Wherenodate第二十九條票據(jù)背書轉(zhuǎn)讓Whereaholderauthorizesabanktocousesanegotiableinstrumentasapledge,thinadditiontorecordingtheendorsementacaboveparagraph,recordthewords“authorizedcollection”Article30Wherethedrawerofmarks“untransferable”onthefaceoftheofitsimmediatelysubsequWheretheendorserofanegotiableinstru"untransferable"intheendorsercolumnofthebackofthenonacceptanceornonpaymentorisbeyondthetiforpresentmentforpaymentshallnotbeendorsed;i第三十一條票據(jù)被拒絕承限的，不得背書轉(zhuǎn)讓。背書轉(zhuǎn)讓Article33Foranendorsednegotiableinstrendorsementshallbesuccessive.Theholderofnegotiableinstrumentshalinstrumentbythesuccessionofendorsemthanendorsement,theholdershalllegallypayeeontheinstrument,theendorseeintheendorseeinthelastendorsementisthelastholderofendorsetheinstrumentintheendorsprescribedplaceontheinstrumentmaybeused.ThepersonthatfirstrsignatureandsealTheguarantormustrecordthemattersofguarantyonthenegotiableinstrumentaccordingtguarantymattersonthefaceofthenegitshallrecordtheguarantymattersonthebackofortheshalllosetherighttorecourseagainstitspriorhold據(jù)的，依法舉證，證明其票據(jù)權(quán)讓的背書人是票據(jù)上記載的收款定的粘接處。粘單上的第一記載WheretheholderofabankdraftorabanknotepresentsthedraftornoteforpaymentbeyondtheprescribedtimeWheretheholderofacheckpresentsthecheckforpaymentbeyondtheprescribedtimelimit,itshalllosethebankortheclearingsystem,thepresendeemedasbeingmadebypresentmentforpaymentshalArticle38Thedebtorrefusepaymenttoaholderun(1)theholderhasfailedtoperformtheagreedoblandhasadirectrightandobligationrelati說明后，仍可以向承兌人請求付持票人向開戶銀行提交票據(jù)日為(2)theholderacquiredthenegotiableinstrumentbysuch(二)以欺詐、betweenthedebtorandthedrawerorthepriorholderoftheholderbutnonethelessacquiredtheneg(5)theholderacquiredthenegotiableinstrumentwhichis(6)theholderacquiredthenegotiableinstrumentwhichis(7)anyotherdefenseincompl(七)符合《票據(jù)法》規(guī)定的其他notrefusepaymentundereitherofthefollowingconcerningthedishonorbynonacceptanceornonpayment.或者退票理由書以及其他有關(guān)證(1)thetypeofnegotiableinstrument(3)thetimeofdishonorbynon(四)拒絕承兌人、拒絕付款人的Article42Theterm“groundsfordis(二)退票的事實依據(jù)和法律依(3)thetimeofdishonor;and(三)退票時間；(四)退票人簽章。(1)thecertificateofdeathoftheacceptorordrawee(2)thecertificateofabscondingoftheacceptorordraweeofreceivingtherelevantcertificateofdishonorbynonacceptanceornonpagiveawrittennoticetoitsownpriasofthedateofreceivingthenotice.TheholdermayalsoInthecaseoffailuretogiveanoticewithinthetArticle45Theholdermayexercisehisrighttorecourseanyorseveraloftheinstrument,hemaystillrecourseagunderthenegotiableinstrument.Afterpayingoff(3)theexpensesforobtainoffthedebt,theholdershinstrumentandtherelevantprotest,andproduceareceipttheprecedingarticle,thepersonagainstwhomreagainstotherdebtorsshalldeliverthenegotiable時，應(yīng)當交出票據(jù)和有關(guān)拒絕證bankdraftmarked“cash”andnameoftheagentofthedrawee,orabanknotemarked“cash”islost,theholdWhereabankdraftnotmarked“casagentofthedraweeorabanknot(1)thetime,placeandcauseoflossofthenegotiable(2)thetype,serialnumber,amount,dateofdrawing,dateofpayment,nameofdrawee,andnameofpayeeofthe(3)thename,businesspremisesorresidenofpayment.Intheabsenceofanyoftheaboverecordedmatters,thewhichhehasreportedhasnotbeencashed,thedraweeorreceivingthelossreportandstoppaymentorder,fpaymentmadetotheholderofthenegotiableinstrumentupontheholder'spres樣的銀行本票喪失，不得掛失止票據(jù)喪失，失票人需要掛失止付的，應(yīng)填寫掛失止付通知書并簽(一)票據(jù)喪失的時間、地點、原出票日期、付款日期、付款人名到掛失止付通知書之日起12日內(nèi)沒有收到人民法院的止付通知書的，自第13日起，持票人提示付thepaymenthavingbeenmadetotheholderbeforethatthedraweeoritsagenthasmadethepaArticle52Theplaceofpaymentofabankdraftshallbetheplaceofresidenceoftheagentofthedraweeortheresidenceofthedrawer,theplaceofpaymentofabankofpaymentofacommercialdraftshallbetheplaceofresidenceoftheacceptor,andtheplaceofpaymentofaArticle53Abankdraftreferstoanegotiabldrawnbyadrawerbankwhichshallunconditionallybankdraft.Article54BankdraftsmaybeusedbybothentiChinashallbeonlylimitedtothebankinginstitutionsthePeople'sBankofChiparticipatinginthe“nationapaymentofatransferbankdraftdrawnbyaofficeofdifferentbankshallbeusedafterbeingadviceofsettlementsubmittedto付款人在收到掛失止付通知書之銀行本票的付款地為出票人所在第二節(jié)銀行匯票drawingandpaymentofabautonomousregionormunicipalitydirectlyundertheTheagentofthedraweeofabankdraftshallbethebankinstrumentonbehalfofthedrawerofasamebankorArticle56Whenabankd(6)thedateofdrawing;andAbankdraftwithoutanyoftheaboApplicationFormforBankDraftofthethenameofpayee,amount,nameofapplicant,dateofthedrawee,theapplicantshallenterthenameoftheaWheretheapplicantorpayeeisanentity,theword“cash”issueabankdraft,printtheamountonthebbankdrafttobecashedbythePeople'sBankdrawthepayeemustbeindividuals,andafterreceivin的，申請人須在“銀行匯票申請書”上填明代理付款人名稱，在行匯票，并用壓數(shù)機壓印出票金的現(xiàn)金后，在銀行匯票“出票金theword“cash”andthentheamountintothe“amount”columnofthebankdraft,andthenenterthenaArticle60Theapplica(1)whetherboththebankdraftaarepresented,andwhethertheserial(4)whetherthemustre(6)whethertheamount,dateofdrawingornameofpayeehasbeenaltered,andwhetherthealterrecordedmatterhasbeencertifiedbythepersonthatneedwithintheamountonthebankdraft,andaccurat(一)銀行匯票和解訖通知是否齊(二)收款人是否確為本單位或本(三)銀行匯票是否在提示付款期(五)出票人簽章是否符合規(guī)定，(六)出票金額、出票日期、收款andadviceofsettlement.Wheretheactualsettlemeshallnotbealtered,andabankAbankdraftwithoutanenteredactualArticle64Theendor出票金額的銀行匯票不得背書轉(zhuǎn)withtheprovisions,andwhethertheuseofanaffixedsliptoabankmustsubmitthebankdraftandadviceArticle66Wheretheholderwhichhapayment,itshallaffsealofholderuponpresentmentforpayment”onthebackofthebankdraft,andsubmitthebankdraftandadviceofsettlementaswellas和解訖通知、進帳單送交開戶銀sealtotheplace“signatureandsealofholderuponpresentmentforpayment”onthebackofthebankdraenterhisname,thenumberandissuerofhisidentificationcertificateandaphotocopythereoftothebank.Afterverification,thebankshallkeepthephotocopyofhisidentificationcertifithenameoftheholder,whichisanaccountforthe證件及其復印件。銀行審核無誤后，將其身份證件復印件留存?zhèn)鋐illoutapaymentvoucpersonhisidentificationcertificateforverificationtohandlethepayment.Themoneyinthisaccountmayonlybetransferredintoadeindividualindustrialandbusinesshousehold,andshall“cash”bythedrawerbankaprocessingofpayment.Otherwise,ifthereisaneedforcashpayment,thebankshallexamineapaymentaccordingtothecashmanagementprovis票銀行按規(guī)定填明的“現(xiàn)金”字collection”,thenameoftheauthorizedperson,thedateofendorsementandhisownname,thenumberandissueroftheidentificationcertificateofthendorsementcolumnonthebackofthebankdraft.Whenmakingpresentmentforpaymnumberandissuingauthorityofhisidentificationcertificateattheplace“sipresentmentforpayment”onthebackofthebankandatthesametime,submittheidentificArticle68WheretheactualsettlementamountofadraftislowerthantheamounresidualamountshallberefundedtotheapplicantbytArticle69Inthecaseofbankofthedrawee,theholdershallmakeexplanationstothedrawerbankwithinthetimelimitationofitsrunderthenegotiableinstrument,provideitsidentificationcertificateorentittimelimitforpresentmentforpaymentofthebankdraftshallpresenthisidentifidraftinquiredaboutbytheagentbankofthedshalltransfertherefuoriginalapplicant'saccount;Wheretheapplicantwithouttheadviceofsettlement付款簽章”處簽章，記載證件名申請人帳戶；對于符合規(guī)定填明mayrequestthedrawerbanktomakepaymentorrefunduponthestrengthofthecertificateproducedbytheArticle72AcommercialdraftreferstoaArticle74TouseacommercialtwoofthelegalpersonsorotheroArticle75Thedrawerofacommercialacopenedadepositaccountinabank,hasaofauthorizedpaymentwiththedraweeandhasareliable第三節(jié)商業(yè)匯票(2)havingatruerelationshipofauthorizedpaywithoutaconsiderationtocheat(1)thewords“commercialacceptancedraft”or“b(一)表明“商業(yè)承兌匯票”或(4)nameofdrawee;(5)nameofpayee;(六)出票日期；whichhasopenedadepositabank.presentedtothedraweeforacceptance,ormaybeusedafterbeingdrawnandthenpresentedfafterthedateofdraft.prescribedtimelimit,theholdershalllrecourseagainstitspriorhoArticle81Uponreceivingadraftpresentedbythedrashallissueanacknowledgementofreceiptofthethedrawerorholder,bearinofreceiptofthedraftpresentedforacceptance.ofdishonorbynonacceptance.Article82Theacceptancebankofacommermustmeetthefollowingcondi第七十九條商業(yè)承兌匯票可以由付款人簽發(fā)并承兌，也可以由第八十條商業(yè)匯票可以在出票時向付款人提示承兌后使用，也可以在出票后先使用再向付款人提定日付款或者出票后定期付款的商前向付款人提示承兌。見票后定期起1個月內(nèi)向付款人提示承兌。第八十一條商業(yè)匯票的付款人接到出票人或持票人向其提示承兌的匯票時，應(yīng)當向出票人或持票人簽發(fā)收到匯票的回單，記明匯票提示承兌日期并簽章。付款人應(yīng)當在自收到提示承兌的匯票之日起3付款人拒絕承兌的，必須出具拒絕第八十二條商業(yè)匯票的承兌(1)havingatruerelationshipofauthorizedpaymentwith(3)havingasoundpassedtheexaminationofthperson.draftpresentsittothebankforacceptandepartmentofthebankshallberesponsibleforcarefullyrelevantprovisionsprocedures,andmay,ifnecessary,requirethedrawertoprovideasecurity.Iftheyareincompliancewiththeprovisionsandacceptanceconditions,anmark“acepted”anddateofacceptanceonandaffArticle87Thetimelimitfo(二)具有支付匯票金額的可靠資(三)內(nèi)部管理完善，經(jīng)其法人授出票人或持票人向銀行提示承兌規(guī)定和審批程序，對出票人的資匯票，應(yīng)當在匯票正面記載“承drawing,thetimelimitforpaymentshallmonthfromthedateofdrawdateofacceptanceordishonorbynTheholdershallauthorizetheholder'sbanktocolFornonlocalauthorizedcollection,theholdermaycalculateroughlythemailtime,andauthorizetheholder'sholdermakespresentmentforplimitforpresentmentforpayment,theholder'sbankshallArticle89Afterreceivingac(1)Uponreceivingtheadviceofsettlementfromtheholiday)shallbedeemedashavingacceptedthedraft,andopeningbusinessonthemorningofthe4thdayfromthe付款期限，自匯票到期日起10次日起第4日(法定休假日順延，Thedraweewhichreceivesacommerciadraweefailstonotifythebanktomakepaymentwithin3daysfromthenextdayofthedateofreceivingtheadviceofsettlement,andthe4thdayfromthmaturitydateofthedraft,thebankshalltransferthe票，應(yīng)通知銀行于匯票到期日付(2)Wherethefundinthedepositaccdrawee,andmailitalongwiththecomdrafttotheholder'sbankwhichshallforwanonpayment,itshallmakeacertificatfromthenextdayofthedateofreceivingthesettlement,andthebankdishonorandthecommerciabeforethematuritydateofthedraft.Theacceptancebankdraftoronthedateofsightafterthematuritydateodaysfromthenextdayofreceivingthecommercialdraft,andmailthecertificateofdishhasfailedtodepositinfulltheamountofthedmaturitydateofthedraft,theaccunconditionallypaytotheholderontamountofthedraftattherateof0.05%ofthatamountforArticle92Tohandlediscountatthebank,theholderofaorganizationwhichhasopenedadeposita(2)havingatruecommoditytraderelationship(3)providingthephotocopiesofthevalue-addedtaxArticle93TheeligibleholderofacommercialbankmayapplyforinterthePeople'sBankofChina.Inthecaseofmade,andthephotocopiesofthevalueArticle94Theperiodofdiscount,inter-rediscountshallbefromthedateofdidateofdiscount,inter-bankdiscounWheretheacceptorisnonlocal,3daysformoneyshallbeaddedtotheperiodofdiscount,inter-bank增值稅發(fā)票和商品發(fā)運單據(jù)復印Article95Wherethediscount,inter-brediscountbecomesdue,thediscount,infromthedrawee.Inthecaseofdishonorbynonpathediscount,inter-bankdiscountorrpriorholders.ThediscountorrediscountbankexercisingmustfillouttheShArticle97AbanknotereferstoanegotiableiArticle98EntitiesandindividuBanknotesmaybeusedfortransfer,andbanknotesmarked“cash”maybeusedforpaymentofArticle100Thedrawerofapprovalofthelocalbranchorsub-branchofthePeople's第四節(jié)銀行本票一票據(jù)交換區(qū)域需要支付各種款第一百條銀行本票的出票批準辦理銀行本票業(yè)務(wù)的銀行機(1)thewords“banknote”;(4)thenameofpayee;AbanknotewithoutanyoftheaboverecordeThe“authorizedpayer”ofabanknotereferstoawhichexaminesandpaystheamountofthebanknoteon面額為1千元、5千元、1萬元和5萬元。過2個月。銀行審核支付銀行本票款項的銀anApplicationFormforaBankNoteofabankwiththenameofpayee,nameofapplication,amount,dateofindividualsneedingthepaymentofcash,theword“cash”andthentheamountshallbeenteredinthe“amount”acceptingtheApplicationFormforaBankNotdepositforthepayment.Inthecaseoftransfer,tthepaymentofcash,thebank“cash”onthebanknote.Theamoushallaffixitssign行本票交付給本票上記明的收款(一)收款人是否確為本單位或本(2)whetherthebanknoteiswithinthetimelim(二)銀行本票是否在提示付款期compliancewiththeprovisions,amountnotehasanamountwhichisprintedb(5)whethertheamount,dateofdrawingornameofpayeeisaltered,andwhetherthealterecordedthematterbyaffixingi(四)出票人簽章是否符合規(guī)定，(五)出票金額、出票日期、收款withtheprovisions,andwhethertheuseofanaffixedslip(一)背書是否連續(xù)，背書人簽章paymentofabanknoteofadifferentbank,theholder'sArticle109Whentheholdpayment,itshallaffixsealofholderuponpresentmentforpayment”onthebackofthebanknote,andsubmitthebanknoteandtheaccountbanktopaycashonthestrengt“cash”,heshallaffixhissignatureandsealtothebthebanknote,enterhisownname,thenumberandissuerofhisidentificationcertificate,andsubmithisidentificationcertificateandaphotocopythereoffor存款帳戶的個人持票人，憑注明Wheretheholderneedstoauthorizeanpayment,heshallaffixhissigntheplace“signatureandsealofholderforpresentpayment”onthebackofthebanknote.Whenmakingpresentmentforpayment,thetheplace“signatureandsealpayment”onthebackofthebanknote,andatthesamethereofoftheprincipalandtheauthorizedpersonfor付款簽章”處簽章，記載證件名Article111Inthecaseofdtimelimitationofitsrightsunderthenegotiable可持銀行本票向出票銀行請求付Article112Wheretheapplicantrequespresenttheentitycertificate;iftheapplitheapplicantforacashthestrengthofthecertificateproducourtconcerningitsenjoymentofdrawnbythedrawertoauthorizArticle115Acheckprintedwiththeword“cash”shallbeAchecknotprintedwiththeword“cash”ortheword“transfer”shallbeanopencheck,andanopencheckmaybeusedforbothpaymentofcashandtransfer.Anopencheckwithtwoparallellinesmarkedonitsleftuppercornershallbeacrossedcheck,andacrossedcheckmayofcash.第五節(jié)支票支票上未印有“現(xiàn)金”或“轉(zhuǎn)帳”在普通支票左上角劃兩條平行線Thedraweeofacheckshallbethebamaybeenteredretroactivelyasauthorizedbythedrawer.Noendorsementorpresentmentforpaymentshallbeforpaymentofcashmustbeincompliancewiththecash第一百一十九條支票的金shallbenomorethanatthetimeofpayment.Itshallbeprohipre-submittedtothebankshallbethebasisfortheasaconditionforthebank'sexaminationandpaymentofthebank;andinthecaseoftheuseofapayasotherwiseprovidedforbythePeople'sBankofChindraweeforpayment.Acheckforpaymentofcashshallbe簽發(fā)與其預留銀行簽章不符的支付款期限自出票日起10日，但中thewords“authorizedcollection”andthedateoffilled-outaccountentrysheettothebankthedrawer'sbank.Thepayeewhichpresentsachseal"onthebackofthecheck,andincasetheholderforverificationandenterhisname,thenu于轉(zhuǎn)帳的支票向付款人提示付款取現(xiàn)金的支票向付款人提示付款款人處的存款足以支付支票金額theSheetforPurchasingNegotiableInstrumentSett