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《票据法》自1996年1月1日起施行至今已五年多了,但票据行为仍存在一些问题,使票据不能及时流通转让和请求付款,给持票人造成业务上和经济上的损失。为避免上述行为的发生,笔者结合《票据法》及相关法规,就票据背书的有效性谈一点意见,供参考。一、哪些票据可能背书转让1、票据的种类。根据《票据法》第二条规定,票据是指汇票、本票和支票。汇票包括银行汇票和商业汇票。商业汇票又分为商业承兑汇票和银行承兑汇票。
The Law of Negotiable Instruments has been in force for more than five years since its implementation on January 1, 1996. However, there are still some problems in negotiable instruments that prevent the negotiable instruments from being circulated and requested for payment in time, resulting in business and financial losses to bearers . In order to avoid the occurrence of the above acts, the author combines the “Notes Law” and relevant laws and regulations, and comments on the validity of the endorsement of bills for reference. First, which notes may be endorsed transfer 1, the type of note. According to Article 2 of the Notes Law, bills refer to bills of exchange, promissory notes and checks. Money orders include bank drafts and commercial drafts. Commercial bills are divided into commercial acceptance bills and bank acceptance bills.