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旅行支票因其面额齐全、币种多样、使用安全方便等特点,越来越受到有跨境旅游、求学等需要的客户青睐。但由于我国现行法律法规及部门规章中并无关于旅行支票的明确规定,银行在办理相关业务时只能遵循行业惯例,发生争议后难以直接援引有效的法律或制度规定妥善解决相关纠纷。本文通过对一起旅行支票兑付纠纷的解析,对相关法律问题进行了探讨,希望籍此能为商业银行妥善解决类似问题提供参考。
Traveler checks are favored by customers who need cross-border travel and study because of their full denomination, diversified currencies and safe and convenient use. However, due to the fact that there is no clear stipulation of traveler’s checks in current laws, regulations and departmental rules in our country, banks can only follow industry practice when handling related businesses. After disputes occur, it is difficult to directly invoke valid laws or regulations to properly resolve disputes. This article discusses the related legal issues through the analysis of a traveler’s check payment dispute, hoping to provide reference for the commercial banks to properly solve such problems.