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1、支付结算办法(2024修订)NoticeofthePeople1SBankofChinaonIssuingtheMeasuresforPaymentandSettlement(2024Amendment)制定机关：中国人民银行发文字号：中国人民银行令2024第1号公布日期：2024.02.06施行日期：2024.02.06效力位阶：部门规章法规类别：支付结算营商环境优化IssuingAuthority：PeoplesBankofChinaDocumentNumber：OrderNo.12024ofthePeople,sBankofChinaDateIssued：02-06-2024Effect
2、iveDate：02-06-20241.evelofAuthority：DepartmentalRulesAreaofLaw：PaymentandSettlementOptimizationofDoingBusinessOrderofthePeople,sBankofChina中国人民银行令(2024)第1号)中国人民银行关于修改V支付结 算办法的决定已经2024年2 月2日中国人民银行2024年第2 次行务会议审议通过，现予发布， 自发布之日起施行。行长潘功胜2024年2月6日(No.112O24)TheDecisionofthePeople,sBankofChinatoAmendtheMe
3、asuresforPaymentandSettlement,asdeliberatedandadoptedatthe2ndexecutivemeetingofthePeoplesBankofChinafor2024onFebruary2,2024,isherebyissuedandshallcomeintoforceonthedateofissuance.Governor:PanGongshengFebruary6,2024支付结算办法第一章总则第一条 为了规范支付结算行 为，保障支付结算活动中当事人的 合法权益，加速资金周转和商品流 通，促进社会主义市场经济的发 展，依据中华人民共和国票据
4、法（以下简称票据法）和 票据管理实施办法以及有关法 律、行政法规，制定本办法。第二条中华人民共和国境内 人民币的支付结算适用本办法，但 中国人民银行另有规定的除外。第三条本办法所称支付结算 是指单位、个人在社会经济活动中 使用票据、信用卡和汇兑、托收承 付、委托收款等结算方式进行货币 给付及其资金清算的行为。第四条支付结算工作的任 务，是根据经济往来组织支付结 算，准确、及时、安全办理支付结 算，按照有关法律、行政法规和本 办法的规定管理支付结算，保障支 付结算活动的正常进行。第五条 银行、城市信用合作 社、农村信用合作社（以下简称银 行）以及单位和个人（含个体工商 户），办理支付结算必须遵守
5、国家 的法律、行政法规和本办法的各项 规定，不得损害社会公共利益。MeasuresforPaymentandsettlementChapterIGeneralProvisionsArticle1Inordertoregulatethepaymentandsettlementacts,protectthelegalrightsandinterestsofthepartiesinthepaymentandsettlementactivities,acceleratetheturnoverofcapitalandcirculationofcommodities,andpromotethedevelo
6、pmentofthesocialistmarketeconomy,theseMeasureshavebeenmadeinaccordancewiththeLawofthePeoplesRepublicofChinaonNegotiableInstruments(the44NegotiableInstrumentLaw),theImplementingMeasuresfortheAdministrationofNegotiableInstruments,andotherrelevantlawsandadministrativeregulations.Article2TheseMeasuressh
7、allapplytothepaymentandsettlementinRenminbiwithintheterritoryofthePeople,sRepublicofChina,exceptasotherwiseprovidedforbythePeoplesBankofChina.Article3Theterm“paymentandsettlementasmentionedintheseMeasuresreferstothepaymentofmoneyinthesocialandeconomicactivitiesbyanentityorindividualwithanegotiablein
8、strumentoracreditcardorinasettlementmethodsuchasremittance,collectionwithacceptance,orauthorizedcollection,andthefundclearancethereof.Article4Theobjectiveofthepaymentandsettlementworkshallbetoorganizethepaymentandsettlementaccordingtoeconomictransactions,accurately,timelyandsafelyconductthepaymentan
9、dsettlement,managethepaymentandsettlementaccordingtotheprovisionsoftherelevantlawsandadministrativeregulationsandtheseMeasures,andsafeguardthenormalpaymentandsettlementactivities.Article5Banks,urbancreditcooperativesandruralcreditcooperatives(together,the“banks)aswellasentitiesandindividuals(includi
10、ngindividualindustrialandcommercialhouseholds)must,inconductingpaymentandsettlement,abidebythevariousprovisionsofthestatelawsandadministrativeregulationsandthesemeasures,andshallnotdamagethepublicinterests.Article6Banksshallbetheintermediaryinstitutionsforpaymentandsettlementandfundclearance.Thenonb
11、ankingfinancialinstitutionsandotherentitieswithouttheapprovalofthePeoplesBankofChinashallnotserveasintenediaryinstitutionsinthepaymentandsettlementbusiness,exceptasotherwiseprovidedforbyanylaworadministrativeregulation.Article7Entities,individualsandbanksshallopenanduseaccountsaccordingtotheprovisio
12、nsoftheMeasuresfortheAdministrationofBankAccounts.Article8Whenconductingpaymentandsettlement,anentityorindividualthathasopenedasavingsaccountwithabankmustmakesurethatithasadequatefundsintheaccountforpayment,exceptasotherwiseprovidedforbytheseMeasures.Anindividualthathasnotopenedasavingsaccountmayals
13、oconductpaymentandsettlementthroughabankaftermakingapaymenttothebank.Article9Negotiableinstrumentsandsettlementcertificatesshallbetheinstrumentsforconductingpaymentandsettlement.Inconductingpaymentandsettlement,entities,individualsandbanksmustusethecertificatesofnegotiableinstrumentsprintedaccording
14、totheuniformprovisionsofthePeoplesBankofChinaandthesettlementcertificatesasuniformlyprescribedbythePeoplesBankofChina.WhereanynegotiableinstrumentsthatarenotprintedaccordingtotheuniformprovisionsofthePeople,sBankofChinaareused,suchnegotiableinstrumentsshallbeinvalidated;whereanysettlementcertificate
15、sthatarenotintheformatsasuniformlyprescribedbythePeoplesBankofChinaareused,theyshallberejectedbythereceivingbank.第六条银行是支付结算和资 金清算的中介机构。未经中国人民 银行批准的非银行金融机构和其他 单位不得作为中介机构经营支付结 算业务。但法律、行政法规另有规 定的除外。第七条单位、个人和银行应 当按照银行帐户管理办法的规 定开立、使用帐户。第八条在银行开立存款帐户 的单位和个人办理支付结算，帐户 内须有足够的资金保证支付，本办 法另有规定的除外。没有开立存款 帐户的个人向银行
16、交付款项后，也 可以通过银行办理支付结算。第九条票据和结算凭证是办 理支付结算的工具。单位、个人和 银行办理支付结算，必须使用按中 国人民银行统一规定印制的票据凭 证和统一规定的结算凭证。未使用按中国人民银行统一规定印 制的票据，票据无效；未使用中国 人民银行统一规定格式的结算凭 证，银行不予受理。第十条单位、个人和银行签 发票据、填写结算凭证，应按照本 办法和附一正确填写票据和结算 凭证的基本规定记载，单位和银 行的名称应当记载全称或者规范化 简称。Article1()Whenissuingnegotiableinstrumentsandcompletingsettlementcertifi
17、cates,entities,individualsandbanksshallmaketheentriesaccordingtotheseMeasuresandAnnex1,theBasicProvisionsforCorrectCompletionofNegotiableInstrumentsandSettlementCertificates,asheretoattached,andthefullnamesorstandardnameabbreviationsoftheentitiesandbanksshallbeentered.Article11The“signatureand/orsea
18、l“onanegotiableinstrumentorasettlementcertificateshallbeasignature,aseal,orasignatureplusaseal.第十一条票据和结算凭证上的签章，为签名、盖章或者签名加盖章。Thesignatureand/orsealofanentityorbankonanegotiableinstrumentorthesignatureand/orsealofanentityonasettlementinstrumentshallbethesealoftheentityorbankandthesignatureorsealofthe
19、legalrepresentativeoranauthorizedrepresentativethereof.单位、银行在票据上的签章和单位在结算凭证上的签章，为该单位、银行的盖章加其法定代表人或其授权的代理人的签名或盖章。Thesignatureand/orsealofanindividualonanegotiableinstrumentorasettlementcertificateshallbethepersonalsignatureorsealoftheindividual.个人在票据和结算凭证上的签章,应为该个人本名的签名或盖章。Article12Theamount,dateofdr
20、awingandnameofpayeeonanegotiableinstrumentorasettlementcertificateshallnotbealtered,andanynegotiableinstrumentwithsuchalterationsshallbeinvalidated;andasettlementcertificatewithsuchalterationsshallbedeclinedbythebank.第十二条票据和结算凭证的金额、出票或签发日期、收款人名称不得更改，更改的票据无效；更改的结算凭证，银行不予受理。Anyothermatterrecordedonane
21、gotiableinstrumentorasettlementcertificatemaybealteredbythepersonthatoriginallyrecordedthematter,butwhenmakinganalteration,thepersonthatoriginallyrecordedthemattershallaffixhisorhersignatureorsealtotheplaceofalterationforcertificationpurposes.对票据和结算凭证上的其他记载事项，原记载人可以更改，更改时应当由原记载人在更改处签章证明。Article13The
22、amountonanegotiableinstrumentorasettlementcertificateshallbeenteredinbothChinesecharacters(inwords)andArabicnumerals(infigures)inaconsistentway,andanynegotiableinstrumentwithinconsistencybetweenthemshallbeinvalidated;anysettlementcertificatewithsuchinconsistencyshallbedeclinedbythebank.第十三条票据和结算凭证金额
23、以中文大写和阿拉伯数码同时记载，二者必须一致，二者不一致的票据无效；二者不一致的结算凭证，银行不予受理。ForethnicminorityareasandembassiesandconsulatesofforeigncountriesinChina,wherenecessary,theamountmayberecordedasanalternativeinthelanguageofthe少数民族地区和外国驻华使领馆根据实际需要，金额大写可以使用少数民族文字或者外国文字记载。ethnicminoritygrouportheforeigncountry.Article14Thesignaturea
24、nd/orsealandotherrecordedmattersonanegotiableinstrumentorasettlementcertificateshallbeauthentic,andshallnotbeforgedorunlawfullyaltered.第十四条票据和结算凭证上的签章和其他记载事项应当真实，不得伪造、变造。Anysignatureorsealthatisforgedorunlawfullyalteredonanegotiableinstrumentshallnotaffectthevalidityoftheauthenticsignatureand/orseal
25、ofanyotherpartyonthenegotiableinstrument.票据上有伪造、变造的签章的，不影响票据上其他当事人真实签章的效力。Theterm“forge“asmentionedhereinmeansanactofanunauthorizedpersontoaffixasignatureand/orsealbyimpersonationorinthenameofafictiveperson.Anyalterationofasignatureand/orsealmadeinanunauthorizedwayshallconstituteaforgery.本条所称的伪造是指无权
26、限人假冒他人或虚构人名义签章的行为。签章的变造属于伪造。Theterm4unlawflalterationasmentionedhereinmeansanactofalteringarecordedmatterotherthanasignatureand/orsealonthenegotiableinstrumentbyapersonwithouttheauthorizationtoalterthecontentofanegotiableinstrument.本条所称的变造是指无权更改票据内容的人，对票据上签章以外的记载事项加以改变的行为。Article15Theterm“validperso
27、nalidentificationCertifiCate”presentedforverificationasrequiredforconductingpaymentandsettlementmeansaresidentidentificationcard,acertificateofmilitaryofficer,certificateofpoliceofficer,certificateofcivilianofficer,certificateofsoldier,ahouseholdregistry,apassport,areentrypermitforcompatriotinHongKo
28、ng,MacaoorTaiwanregion,oranyotheridentificationcertificateincompliancewithanylaworadministrativeregulationortherelevantprovisionsofthestate.第十五条办理支付结算需要交验的个人有效身份证件是指居民身份证、军官证、警官证、文职干部证、士兵证、户口簿、护照、港澳台同胞回乡证等符合法律、行政法规以及国家有关规定的身份证件。Article16Inconductingpaymentandsettlement,entities,individualsandbanksmu
29、stadheretothefollowingprinciples:第十六条单位、个人和银行办理支付结算必须遵守下列原则：1.Contractsshallbeperformedandpaymentsshallbemadeingoodfaith;一、恪守信用，履约付款;二、谁的钱进谁的帐，由谁支配;银行不垫款。第十七条银行以善意且符合 规定和正常操作程序审查，对伪 造、变造的票据和结算凭证上的签 章以及需要交验的个人有效身份证 件，未发现异常而支付金额的，对 出票人或付款人不再承担受委托付 款的责任，对持票人或收款人不再 承担付款的责任。第十八条依法背书转让的票 据，任何单位和个人不得冻结票据 款
30、项。但是法律另有规定的除外。第十九条银行依法为单位、 个人在银行开立的基本存款帐户、 一般存款帐户、专用存款帐户和临 时存款帐户的存款保密，维护其资 金的自主支配权。对单位、个人在 银行开立上述存款帐户的存款，除 国家法律、行政法规另有规定外， 银行不得为任何单位或者个人查 询；除国家法律另有规定外，银行 不代任何单位或者个人冻结、扣 款，不得停止单位、个人存款的正 常支付。第二十条支付结算实行集中 统一和分级管理相结合的管理体 制。中国人民银行总行负责制定统一的 支付结算制度，组织、协调、管 理、监督全国的支付结算工作，调2. Apersonsmoneyshallbeenteredforth
31、eaccountofandcontrolledbythatpersononly;and3. Noadvancesshallbeprovidedbybanks.Article 17 Whereabankhasconductedexaminationingoodfaithandincompliancewiththelegalprovisionsandnormaloperatingprocedures,foundnoabnormalityinthesignatureand/orsealonanegotiableinstrumentorasettlementcertificateoravalidper
32、sonalidentificationcertificatepresentedforverificationasrequiredwhichisforgedorunlawfullyaltered,andthereforemadethepayment,thebankshallbenolongerliableformakingauthorizedpaymentforthedrawerordrawee,norshallitbeliableformakingpaymenttotheholderorpayee.Article 18 Foranegotiableinstrumentlegallytransf
33、erredbyendorsement,noentityorindividualshallfreezetheamountonthenegotiableinstrument,exceptasotherwiseprovidedforbyanylaw.Article 19 Abankshallkeepconfidentialthedepositinabasicdepositaccount,ordinarydepositaccount,specialdepositaccountortemporarydepositaccountopenedbyanentityorindividualwiththebank
34、,andprotectthelatter,srightofindependentdispositionoffunds.Aboutthedepositinanyoftheaboveaccountsopenedbyanentityorindividualwiththebank,exceptasotherwiseprovidedforbyanylaworadministrativeregulationofthestate,thebankshallnotanswertheinquiryofanyotherentityorindividual.Exceptasotherwiseprovidedforby
35、anylawofthestate,thebankshallnotfreezeordeductanyamountonbehalfofanyentityorindividual,orceasethenormalpaymentfromthedepositofanentityorindividual.Article 20 Themanagementsystemofcombinationofcentralizedandhierarchicalmanagementshallapplytothepaymentandsettlement.TheHeadOfficeofthePeoplesBankofChina
36、shallberesponsibleforestablishingaunifiedpaymentandsettlementsystem,organizing,coordinating,administeringandsupervisingthenationalworkonpaymentandsettlement,andmediatingandaddressingthedisputesoverpaymentandsettlementbetweenbanks.ThebranchofthePeoplesBankofChinainaprovince,autonomousregionormunicipa
37、litydirectlyundertheCentralGovernmentshallformulatedetailedimplementingrulesonthebasisoftheunifiedpaymentandsettlementsystem,andreportsuchrulestotheHeadOfficeforarchivalpurposes.Wherenecessary,itmayformulateseparatepaymentandsettlementmeasures,andexecutethemwiththeapprovaloftheHeadOfficeofthePeoples
38、BankofChina.Thebranchesandsub-branchesofthePeoplesBankofChinashallberesponsiblefororganizing,coordinating,administeringandsupervisingtheworkonpaymentandsettlementwithintheirrespectivejurisdictions,andmediatingandaddressingthedisputesoverpaymentandsettlementbetweenbankswithintheirrespectivejurisdicti
39、ons.Theheadofficeofapolicybankorcommercialbankmayformulatethespecificadministrativeandimplementingmeasuresonthebasisoftheunifiedpaymentandmanagementsystemandinconsiderationofthespecificconditionsofthebank,andexecutesuchmeasureswiththeapprovaloftheHeadOfficeofthePeoplesBankofChina.Apolicybankorcommer
40、cialbankshallberesponsiblefororganizing,administeringandcoordinatingtheworkonpaymentandsettlementwithinthebank,andmediatingandresolvingthedisputesoverpaymentandsettlementbetweenitsbranchesand/orsub-branches.ChapterIINegotiableInstrumentsSection1BasicProvisionsArticle 21 Thetermnegotiableinstrumentas
41、mentionedintheseMeasuresreferstoabankdraft,acommercialdraft,abanknoteoracheck.解、处理银行之间的支付结算纠 纷。中国人民银行省、自治区、直辖市 分行根据统一的支付结算制度制定 实施细则，报总行备案；根据需要 可以制定单项支付结算办法，报经 中国人民银行总行批准后执行。中 国人民银行分、支行负责组织、协 调、管理、监督本辖区的支付结算 工作，调解、处理本辖区银行之间 的支付结算纠纷。政策性银行、商业银行总行可以根 据统一的支付结算制度，结合本行 情况，制定具体管理实施办法，报 经中国人民银行总行批准后执行。 政策性银行
42、、商业银行负责组织、 管理、协调本行内的支付结算工 作，调解、处理本行内分支机构之 间的支付结算纠纷。第二章票据第一节基本规定第二十一条本办法所称票 据，是指银行汇票、商业汇票、银 行本票和支票。第二十二条 票据的签发、取 得和转让，必须具有真实的交易关Article 22 Theissuance,acquirementandtransferofanegotiableinstrumentmustbebasedontruetransactionsandrightandobligationrelationships.系和债权债务关系。Aconsiderationmustbegiventoacqui
43、reanegotiableinstrument,which,however,shallnotapplytoapermittednegotiableinstrumentacquiredfreeofchargebyvirtueoftaxation,inheritanceorgift.票据的取得，必须给付对价。但因税收、继承、赠与可以依法无偿取得票据的，不受给付对价的限制。Article23Thesignatureandsealofthedrawerofabankdraftonthenegotiableinstrumentshallbethespecialsealfordraftofthebanku
44、sedwiththeapprovalofthePeoplesBankofChinaandthesignatureorsealofthebankslegalrepresentativeoranauthorizedrepresentativethereof.Thesignatureandsealofabankwhenacceptingacommercialdraftorprocessinginterbankdiscountorrediscountofacommercialdraftshallbethespecialsealfordraftofthebankusedupontheapprovalof
45、thePeoplesBankofChinaandthesignatureorsealofthebankslegalrepresentativeoranauthorizedrepresentativethereof.ThesignatureandsealofthedrawerofabanknoteonthenegotiableinstrumentshallbethespecialsealforpromissorynoteofthebankusedupontheapprovalofthePeople,sBankofChinaandthesignatureorsealofthebankslegalr
46、epresentativeoranauthorizedrepresentativethereof.第二十三条银行汇票的出票人在票据上的签章，应为经中国人民银行批准使用的该银行汇票专用章加其法定代表人或其授权经办人的签名或者盖章。银行承兑商业汇票、办理商业汇票转贴现、再贴现时的签章，应为经中国人民银行批准使用的该银行汇票专用章加其法定代表人或其授权经办人的签名或者盖章。银行本票的出票人在票据上的签章，应为经中国人民银行批准使用的该银行本票专用章加其法定代表人或其授权经办人的签名或者盖章。Thesignatureandsealofanentityonanegotiableinstrumentsha
47、llbethespecialsealforfinanceorofficialsealoftheentityandthesignatureorsealoftheentityslegalrepresentativeoranauthorizedrepresentativethereof.Thesignatureandsealofanindividualonanegotiableinstrumentshallbethesignatureorsealoftheindividual.单位在票据上的签章，应为该单位的财务专用章或者公章加其法定代表人或其授权的代理人的签名或者盖章。个人在票据上的签章，应为该个
48、人的签名或者盖章。Thesignatureandsealofthedrawerofacheckortheacceptorofacommercialacceptancebillonthenegotiableinstrumentshallbethedrawersortheacceptorssignatureandsealpre-submittedtothebank.支票的出票人和商业承兑汇票的承兑人在票据上的签章，应为其预留银行的签章。Article24WherethesignatureandsealofadraweronanegotiableinstrumentarenotincompliancewiththeprovisionsoftheNegotiableInstrumentLaw,theImplementingMeasuresfortheAdministrationofNegotiableInstrumentsandtheseMeasures,thenegotiableinstrument
