【中英文对照版】支付结算办法(2024修订).docx
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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
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