80 Protection to banker and drawer where cheque is crossed.

第八十条　划线支票对银行和出票人的保护。

Where the banker, on whom a crossed cheque [F22(including a cheque which under section 81A below or otherwise is not transferable)]is drawn, in good faith and without negligence pays it, if crossed generally, to a banker, and if crossed specially, to the banker to whom it is crossed, or his agent for collection being a banker, the banker paying the cheque, and, if the cheque has come into the hands of the payee, the drawer, shall respectively be entitled to the same rights and be placed in the same position as if payment of the cheque had been made to the true owner thereof.

如划线支票的付款银行善意且无疏忽地对支票作出付款。如为一般划线，向银行付款；如为特别划线，向划线的该银行或其托收代理的银行付款。对支票作出付款的银行和出票人（如支票已为受款人所持有）分别享有之权利和所处之地位与票款已付给支票的真正所有人时同。

 

81 Effect of crossing on holder. 　第八十一条　划线支票对持票人的影响。

Where a person takes a crossed cheque which bears on it the words “not negotiable,” he shall not have and shall not be capable of giving a better title to the cheque than that which the person from whom he took it had.

如某人取得一张载有“不得流通”字样的划线支票，并不享有也不能给予较其直接前手获得的对支票的更好的权利。

 

83 Promissory note defined. 　第八十三条　本票之定义。

(1)A promissory note is an unconditional promise in writing made by one person to another signed by the maker, engaging to pay, on demand or at a fixed or determinable future time, a sum certain in money, to, or to the order of, a specified person or to bearer.

(2)An instrument in the form of a note payable to maker’s order is not a note within the meaning of this section unless and until it is indorsed by the maker.

(3)A note is not invalid by reason only that it contains also a pledge of collateral security with authority to sell or dispose thereof.

(4)A note which is, or on the face of it purports to be, both made and payable within the British Islands is an inland note. Any other note is a foreign note.

　　（１）本票为一项书面之无条件支付之承诺，由一人开致另一人，并由出票人签名，保证凭票或在规定日期，或在某一可预定之日期，将一定金额之货币付与规定之人或其指定人或来人。

　　（２）一张以本票形式付给出票人指定人的票据，按本条含义并非本票，除非而且只有在出票人背书后，才能成为本票。

　　（３）一张本票不能仅由于含有以附属担保品作为抵押并有权出售或处理之条款而被认为无效。

（４）一张本身是或从其表面看来是在大不列颠群岛开立和付款的本票是国内本票，任何其他本票是外国本票。

 

84 Delivery necessary. 第八十四条　交付的必要。

A promissory note is inchoate and incomplete until delivery thereof to the payee or bearer.

本票在交付给受款人或来人之前应属缺项的和不完整的本票。

 

85 Joint and several notes. 第八十五条　连带责任本票。

(1)A promissory note may be made by two or more makers, and they may be liable thereon jointly, or jointly and severally according to its tenour.

(2)Where a note runs “I promise to pay” and is signed by two or more persons it is deemed to be their joint and several note.

（１）本票得由两人或两人以上开立，根据本票文义，得对本票共同负责或连带负责。

（２）如载有“我承诺付款”之本票由两人或两人以上签名，该本票被认为是连带负责之本票。

 

86 Note payable on demand. 第八十六条　见票即付之本票。

(1)Where a note payable on demand has been indorsed, it must be presented for payment within a reasonable time of the indorsement. If it be not so presented the indorser is discharged.

(2)In determining what is reasonable time, regard shall be had to the nature of the instrument, the usage of trade, and the facts of the particular case.

(3)Where a note payable on demand is negotiated, it is not deemed to be overdue, for the purpose of affecting the holder with defects of title of which he had no notice, by reason that it appears that a reasonable time for presenting it for payment has elapsed since its issue.

（１）如见票即付之本票已被背书，必须在背书后的合理时间内提示付款。若未如此提示，背书人即被解除责任。

　　（２）确定何为合理时间时，应考虑票据的性质、商业惯例和交易的具体情况。

（３）见票即付的本票被流通转让后，如提示付款超过本票开立后的合理时间，就因所有权有瑕疵而对持票人的影响而言，只要其并不知情，该本票即不作为过期。

 

87 Presentment of note for payment. 第八十七条　提示本票要求付款。

(1)Where a promissory note is in the body of it made payable at a particular place, it must be presented for payment at that place in order to render the maker liable. In any other case, presentment for payment is not necessary in order to render the maker liable.

(2)Presentment for payment is necessary in order to render the indorser of a note liable.

(3)Where a note is in the body of it made payable at a particular place, presentment at that place is necessary in order to render an indorser liable; but when a place of payment is indicated by way of memorandum only, presentment at that place is sufficient to render the indorser liable, but a presentment to the maker elsewhere, if sufficient in other respects, shall also suffice.

（１）如本票上规定在一特定地点付款，为使出票人负责，必须在该地提示付款。在任何其他情况下，为使出票人负责，并不一定必须提示付款。

　　（２）为使背书人对本票负责，必须作出提示付款。

　　（３）如本票上规定在一特定地点付款，为使背书人负责，必须在该地提示付款；但如本票上付款地仅是以备忘录方式标出时，在该地提示足以使背书人对本票负责，但如在其他各方面都符合条件，则在其他地方向出票人提示即可。

 

88 Liability of maker. 第八十八条　出票人责任。

The maker of a promissory note by making it—

(1)Engages that he will pay it according to its tenor;

(2)Is precluded from denying to a holder in due course the existence of the payee and his then capacity to indorse.

本票的出票人在开立本票时：

　　（１）保证将根据本票的文义作出付款。

（２）不能向正当持票人否认收款人的存在及其当时背书的行为能力。

 

89 Application of Part II to notes. 第八十九条　第二节适用于本票。

(1)Subject to the provisions in this part, and except as by this section provided, the provisions of this Act relating to bills of exchange apply, with the necessary modifications, to promissory notes.

(2)In applying those provisions the maker of a note shall be deemed to correspond with the acceptor of a bill, and the first indorser of a note shall be deemed to correspond with the drawer of an accepted bill payable to drawer’s order.

（１）根据本条条文，除本节另有规定外，本法中有关汇票的条文，经必要的修改， 也适用于本票。

（２）在引用此类条文时，可把本票之出票人看作汇票之承兑人；把本票之第一背书人看作付给出票人指定人的已承兑汇票的出票人。

 

(3)The following provisions as to bills do not apply to notes; namely, provisions relating to—

以下有关汇票的规定对本票不适用：

 

(a)Presentment for acceptance; 提示承兑；

(b)Acceptance; 承兑；

(c)Acceptance supra protest; 作成拒绝证书后参加承兑；

(d)Bills in a set. 成套汇票。

　　

(4)Where a foreign note is dishonoured, protest thereof is unnecessary.

如国外本票遭退票，无需作成拒绝证书。

 

 

Part V Supplementary第五节　补充规定

　90 Good faith.　第九十条　善意。

A thing is deemed to be done in good faith, within the meaning of this Act, where it is in fact done honestly, whether it is done negligently or not.

　如事实上某人是诚实地办理某事，则根据本法含义，不论其是否有疏忽，应认为是善意地办理该事。

 

91 Signature. 第九十一条　签名。

(1)Where, by this Act, any instrument or writing is required to be signed by any person it is not necessary that he should sign it with his own hand, but it is sufficient if his signature is written thereon by some other person by or under his authority.

(2)In the case of a corporation, where, by this Act, any instrument or writing is required to be signed, it is sufficient if the instrument or writing be sealed with the corporate seal.

But nothing in this section shall be construed as requiring the bill or note of a corporation to be under seal.

（１）如任何票据或文件要求由任何人签名，则根据本法，无需由该人亲手签名，其他人经授权代签亦可。

（２）如任何票据或文件需要法人组织签署时，根据本法，在票据或文件上加上该组织之印章即可。但本条不能解释为法人组织的汇票或本票，必须加盖印章。

 

92 Computation of time. 第九十二条　时间的计算。

Where, by this Act, the time limited for doing any act or thing is less than three days, in reckoning time, non-business days are excluded.

“Non-business days” for the purposes of this Act mean—

(a)[F27Saturday] Sunday, Good Friday, Christmas Day:

(b)A bank holiday under [F28the M1Banking and Financial Dealings Act 1971:]

(c)A day appointed by Royal proclamation as a public fast or thanksgiving day.

Any other day is a business day.

如办理某事的时限少于３日，则根据本法，在计算时间时，不包括非

营业日。

　　就本法而言，“非营业日”指：

　　（ａ）星期日、耶稣罹难日、圣诞节；

　　（ｂ）按１８８１年《银行假日法》或其修正条例所规定的银行假日；

　　（ｃ）王室公布的公共斋戒日或感恩节。

任何其他日期均为营业日。

 

93 When noting equivalent to protest. 第九十三条　当公证记录等同于拒绝证书时。

For the purposes of this Act, where a bill or note is required to be protested within a specified time or before some further proceeding is taken, it is sufficient that the bill has been noted for protest before the expiration of the specified time or the taking of the proceeding; and the formal protest may be extended at any time thereafter as of the date of the noting.

就本法而言，如要求在一特定期间或在采取进一步诉讼前对汇票或本票作成拒绝证书，则在特定期间届满前或进行诉讼前，就拒绝证书对汇票作成公证记录即可。正式的拒绝证书得延迟至公证记录作成日开始后的任何时间作出。

 

94 Protest when notary not accessible.

第九十四条　在不能获得公证人情况下作成的拒绝证书。

Where a dishonoured bill or note is authorised or required to be protested, and the services of a notary cannot be obtained at the place where the bill is dishonoured, any householder or substantial resident of the place may, in the presence of two witnesses, give a certificate, signed by them, attesting the dishonour of the bill, and the certificate shall in all respects operate as if it were a formal protest of the bill. The form given in Schedule 1 to this Act may be used with necessary modifications, and if used shall be sufficient.

In subsection (1), “ notary ” includes a person who, for the purposes of the Legal Services Act 2007, is an authorised person in relation to any activity which constitutes a notarial activity (within the meaning of that Act). ]

如遭退票之汇票或本票被授权或需作成拒绝证书，而在汇票退票地又

无公证人，则任何户主或当地有身份之居民，在两名见证人在场的情况下，

可作出经其签名的证明书，证实汇票遭到退票。该证明书在各方面之作用

如同正式拒绝证书一样。

　　本法附表一中的格式，经必要的修改可予采用，如采用这项格式，即

为合格。

 

95 Dividend warrants may be crossed. 第九十五条　股息单可以划线。

　　

The provisions of this Act as to crossed cheques shall apply to a warrant for payment of dividend.

本法关于划线支票的规定，可适用于支付股息的息单。

 

97 Savings. 第九十七条　保留。

(1)The rules in bankruptcy relating to bills of exchange, promissory notes, and cheques, shall continue to apply thereto notwithstanding anything in this Act contained.

(2)The rules of common law including the law merchant, save in so far as they are inconsistent with the express provisions of this Act, shall continue to apply to bills of exchange, promissory notes, and cheques.

（１）与汇票、本票、支票有关之破产规则仍将继续适用，不论本法中有任何规定。

（２）普通法包括《商人法》的规则，除与本法条文有抵触外，将继续适用于汇票、本票和支票。

 

(3)Nothing in this Act or in any repeal effected thereby shall affect—

(a) . . . F33 any law or enactment for the time being in force relating to the revenue:

(b)The provisions of the M2Companies Act 1862, or Acts amending it, or any Act relating to joint stock banks or companies:

(c)The provisions of any Act relating to or confirming the privileges of the Bank of England or the Bank of Ireland respectively:

(d)The validity of any usage relating to dividend warrants, or the indorsements thereof.

（３）本法或任何已经废止部分都不影响：

　　（ａ）１８７０年的《印花税法》或其修正条例之规定，或有关税收的现行有效之任何法律或法令；

　（ｂ）１８６２年《公司法》或其修正条例之规定，或与股份银行或公司有关之任何规定；

　　（ｃ）关于或确认英格兰银行或苏格兰银行特权之任何法律规定；

（ｄ）关于股息单或其背书的任何用法的有效性。

 

98 Saving of summary diligence in Scotland. 第九十八条　苏格兰保留“简易执行”条款。

Nothing in this Act or in any repeal effected thereby shall extend or restrict, or in any way alter or affect the law and practice in Scotland in regard to summary diligence.

本法或任何已经废止部分都不应扩大或限制，或在任何其他方面改变或影响苏格兰“简易执行”有关的法律和惯例。

 

99 Construction with other Acts, &c. 第九十九条　用其他法案解释。

Where any Act or document refers to any enactment repealed by this Act, the Act or document shall be construed, and shall operate, as if it referred to the corresponding provisions of this Act.

如法案或文件中提及某项条文，而该条文已为本法废止，则该法案或

文件得按本法相应的规定解释或使用。

 

100 Parole evidence allowed in certain judicial proceedings in Scotland.

　第一条　在苏格兰，某些法律诉讼中允许口头证据。

 

In any judicial proceeding in Scotland, any fact relating to a bill of exchange, bank cheque, or promissory note, which is relevant to any question of liability thereon, may be proved by parole evidence: Provided that this enactment shall not in any way affect the existing law and practice whereby the party who is, according to the tenour of any bill of exchange, bank cheque, or promissory note, debtor to the holder in the amount thereof, may be required, as a condition of obtaining a sist of diligence, or suspension of a charge, or threatened charge, to make such consignation, or to find such caution as the court or judge before whom the cause is depending may require.

在苏格兰的法律诉讼中，凡涉及汇票、银行支票、本票有关之事实，并和票据责任有关者，得由口头证据证明。

　　但本法之规定不影响现行之法律和惯例，如审理案件之法庭或法官要求汇票、银行支票或本票文句上之当事人（即持票人之债务人）作出委托或告戒，以资取得简易程序之证明，中止控告或中止控告之威胁。

　　本节不适用于已经开庭审理的汇票、银行支票和本票。