论文托收中银行法律责任-国际法评论.docVIP

国际托收业务中银行责任法律分析 陈治东 【内容摘要】托收是国际贸易中普遍采用的支付方式。托收业务通常涉及到分处两个国家的四个当事人，当事人之间的关系主要受国际惯例的支配，国内法体系中专门法规阙如。托收业务的委托人与银行因托收而引发争议时，如何确定银行法律责任的问题，中国法律界存在一些误解。本文探讨委托人、托收行、代收行三者之间的关系， 【关键词】国际托收 银行责任Topic: Legal Analysis on Liability of Banks in International Collection Abstracts：Collection is one of the major ways of payment in international trade. Four parties from two countries are generally involved in the collection transactions. However, the legal relations among the parties are, more or less, governed by international business practices, as almost no country has adopted a specific statute in this aspect. So far the Chinese legal circle has yet carried out systematic research with respect to the liabilities of banks in case disputes come out between the principal and banks during the process of collection. The misunderstanding toward the application of law and legal relations has already resulted in the incorrect dealing with the disputes involving international collection by certain Chinese courts. This article explores the legal relations among the principal, remitting bank and collecting bank with relevant foreign and domestic cases, and clarifies the relationship between the application of international business practices and the application of domestic law. Based on the analysis of subjects, litigation grounds and principle of liability in the litigation involved in a collection dispute, the Author has put forward the personal point of view: in determining whether the banks breaches their obligation of good faith and reasonable care URC 522 should be applied; while in determining the liability of banks in terms of breach of obligation, the domestic law should be applied. Key Words：International Collection; Liability of Banks; URC 522 托收是当代国际贸易的主要支付方式之一，特别在信用体系较健全的欧美国家，通过托收方式支付货款的国际贸易额更是占了大部分。我国已经成为全球的主要贸易大国之一，在国际市场早已形成买方市场的背景下，我国企业。 一、国际托收当事人间关系及责任的法律基础 依据1996年起施行的国际商会第522号出版物《托收统一规则》（Uniform Rules for Collections，以下简称UR