论商业汇票银行承兑的规制

On the Regulation of Bank Acceptance’s Bill

摘要: 银行承兑汇票具有安全性高、流动性强等优势，自其开始应用后，逐渐成为了票据市场中相当重要的融资和信用工具。由于我国《票据法》中要求了票据的真实交易背景，这一点与票据市场中出现的大量无真实交易背景的融资性票据相冲突，我们认为无论是理论上票据具有无因性还是票据市场中对融资性票据的需求，抑或司法实践中对于融资性票据态度的摇摆，我们都应当突破原有观念的限制，完善《票据法》中关于真实交易背景的内容，使法律更好地为社会发展所服务。并且，只有在解决了真实性票据与融资性票据的出票关系这一前提之下，我们才能展开后续对整个与承兑有关的行为包括承兑申请行为和银行承兑行为进行相应规制的论述，如此才能使票据市场更有秩序地运转。

Abstract: Bank’s Acceptance Bill is credited for its high security, fluidity and so on. Since it was applied, it has come to be the rather important financing and credit tool in the bill market. Our bill market is shot through with lots of financing bills without any true trade background and this phenomenon conflicts greatly with the requirement of true trade background from bill by our national negotiable instrument law. Then it is not only the bill market’s practical requirement for the financing bills but also the abstract of bill in theory and the hesitating and shifting attitudes towards the financing bills reflected in judicial practice that require us to surmount the barriers of traditional concepts and refine the notion about true trade background in negotiable instrument law so that they could facilitate the development of our society. And we could not unfold the following discussion about Bank’s Acceptance Bill rules unless we resolve the relation between the authenticity of the bill and financing bill. We should regulate the whole operational system including the application for acceptance and the bank acceptance, in order to keep the running of bill market more smooth and steady.