论汇票保证人未完全记载保证事项时被保证人的确认——基于《中国人民银行关于印发<支付结算办法>的通知》第三十五条与《中华人民共和国票据法》第四十七条的分析

On the Confirmation of the Guarantor When the Guarantor of the Bill of Exchange Does Not Fully Record the Guarantee—Based on the Analysis of Article 35 of the “Notice of the People’s Bank of China on Issuing the Payment and Settlement Measures” and Article 47 of the “People’s Republic of China Negotiable Instruments Law”

摘要: 已承兑汇票保证人为背书人保证，需要在票据背面或粘单上进行保证事项的记载。但《中国人民银行关于印发<支付结算办法>的通知》第三十五条与《中华人民共和国票据法》第四十六条、第四十七条会相冲突。解决的方法就是通过对立法原意进行解释。结合《中国人民银行关于印发<支付结算办法>的通知》第三十五条的立法原意与《中华人民共和国票据法》第四十七条的立法原意进行具体分析，以探寻正确的处理法条冲突的方法。正确的思路是，为背书人保证的保证责任，要大于为承兑人保证的保证责任。因此，应当选择同时符合两个法条立法原意的“背书人作为被保证人”的做法，而不是简单地直接适用《中华人民共和国票据法》第四十七条。

Abstract: The guarantor of the accepted draft guarantees the endorser needs to record the guarantee items on the back of the bill or on the sticky slip. However, Article 35 of the “Notice of the People’s Bank of China on Issuing the Measures for Payment and Settlement” will conflict with Articles 46 and 47 of the “Negotiable Instruments Law of the People’s Republic of China”. The solution is to explain the original intent of the legislation. Analyze the legislative intent of the Article 35 of the “Notice of the People’s Bank of China on Issuing the Measures for Payment and Settlement” and the Articles 46 and 47 of the “Negotiable Instruments Law of the People’s Republic of China” to find the correct way to deal with legal conflicts. The correct way of thinking is that the guaranty liability for the endorser should be greater than the guaranty liability for the acceptor. Therefore, we should choose the practice of “endorser as guarantor” which complies with the original meaning of the two articles at the same time, rather than simply applying Article 47 of the “Negotiable Instruments Law of the People’s Republic of China”.