对我国票据伪造风险负担规则之检讨

Criticism of Risk-bearing Rules for Instrument-forgery in China

最高人民法院《关于审理票据纠纷案件若干问题的规定》中关于票据伪造风险责任的规定,在对付款人、持票人、被伪造人之间的利益衡平方面,体现了过分保护被伪造人利益的倾向,加重了付款人的责任和义务,负担规则不尽合理,既与我国票据立法相关规定冲突,也不符合过失责任理论和票据法原理,违反了公平原则,降低了票据交易效率,妨碍了票据的快速流通,且不具有现实可行性。

＂The restrictions on bill-disputes＂by the Supreme Court of China reveals the tendency of over-protection on the party of being forged.It not only conflicts with fault liability,the principle of fairness and the rationale of instruments,but also affects the efficiency of bill transaction and limits the negotiability of bills.