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银行票据业务中,经常会出现票据到期无人要求付款的情形,而其中相当一部分票据在超过票据权利期限仍无人提示付款,对此,银行的处理方式也不尽相同,有对票据款项挂账处理的,有联系出票人进行票据款项退款处理的,有直接对票据进行注销处理的。为最大限度地降低银行风险,笔者拟从我国相关法律的规定,并结合司法实践对银行此类业务的操作提出若干建议。
Bank bills business, there will often be no demand for payment of bills expired, and a considerable portion of the bill in the period beyond the bill still did not prompt payment, for which the bank’s approach is not the same, the bill amount If the accounts are handled in a linked manner, if there is any contact with the drawer for refund processing of the bills, there will be a cancellation of the bills directly. In order to minimize the bank risk, the author proposes to put forward some suggestions on the operation of this kind of business from the bank according to the provisions of relevant laws in our country and the judicial practice.