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Agricultural Bank of China, Xining Sub-branch, East Suburb Office v. Bank of China Trust and Investment Company (Appellate Case on Dispute over Bank Acceptances)
中国农业银行西宁市支行东郊办事处诉中银信托投资公司银行承兑汇票纠纷上诉案
【法宝引证码】

Agricultural Bank of China, Xining Sub-branch, East Suburb Office v. Bank of China Trust and Investment Company (Appellate Case on Dispute over Bank Acceptances)
(Appellate Case on Dispute over Bank Acceptances)
中国农业银行西宁市支行东郊办事处诉中银信托投资公司银行承兑汇票纠纷上诉案

Agricultural Bank of China, Xining Sub-branch, East Suburb Office v. Bank of China Trust and Investment Company
(Appellate Case on Dispute over Bank Acceptances)

 

中国农业银行西宁市支行东郊办事处诉中银信托投资公司


 
银行承兑汇票纠纷上诉案

BASIC FACTS
 

Appellant (Defendant in the First Instance and Plaintiff in the Counterclaim): Bank of China Trust and Investment Company.
 
上诉人(原审被告、反诉原告):中银信托投资公司。

Legal Representative: Yang Xiufang, general manager of the Company.
 
法定代表人:杨秀芳,该公司总经理。

Authorized Agents: Zhang Xuebing and Chang Jian, lawyers of China Legal Affairs Center.
 
委托代理人:张学兵、常建,中国法律事务中心律师。

Appellee (Plaintiff in the First Instance and Defendant in the Counterclaim): Agricultural Bank of China, Xining Sub-branch, East Suburb Office.
 
被上诉人(原审原告、反诉被告):中国农业银行西宁市支行东郊办事处。

Legal Representative: Sun Ping, chief of the Office.
 
法定代表人:孙平,该办事处主任。

Authorized Agent: Zhang Yongge, senior accountant of Agricultural Bank of China, Qinghai Branch.
 
委托代理人:张永革,中国农业银行青海省分行高级会计师。

Authorized Agent: Wang Shunkui, lawyer of Qinghai Economy Law Firm.
 
委托代理人:王顺魁,青海省经济律师事务所律师。

Third Person in the First Instance: Chengdong Haiyun Trade Department Store in Xining.
 
原审第三人:西宁市城东海云贸易商场。

Legal Representative: Ma Haiyun, manager of the Department Store.
 
法定代表人:马海云,该商场经理。

Bank of China Trust and Investment Company (appellant, hereinafter referred to as BOC Company) was dissatisfied with the No. 14 (1992) civil judgment of the Higher People's Court of Qinghai Province (hereinafter referred to as Qinghai Higher Court) due to a case on bank acceptances, and appealed to the Supreme People's Court. The Supreme People's Court lawfully formed a collegial panel pursuant to the procedures for second instance trials, and found out the following facts after trial:
 
上诉人中银信托投资公司(以下简称中银公司)因银行承兑汇票一案,不服青海省高级人民法院青高法经(1992)14号民事判决,向最高人民法院提出上诉。最高人民法院依照第二审程序,依法组成合议庭,经审理查明:

On September 4, 1990, Agricultural Bank of China, Xining Sub-branch, East Suburb Office (hereinafter referred to as ABOC East Suburb Office) issued 10 bank acceptances with the par value of each at 5 million Yuan in order to bring in funds from Mid-south Aviation Enterprise Group (hereinafter referred to as Mid-south Group), including 6 bank acceptances whose payee was PLA 9560 Plant subordinate to Mid-south Group and whose the total par value was 30 million Yuan. ABOC East Suburb Office issued 3 uncaptioned letters of confirmation, and the numbers indicated on the letters of confirmation were completely consistent with those on the bank acceptances. ABOC East Suburb Office affixed its seals on the letters of confirmation. In mid-September, Lin Jingxuan (contractor of Mid-south Group, “Lin” hereafter) and Jiang Lin (chief of Beijing Office of the Group, “Jiang” hereafter) went to BOC Company for negotiating on the loans, and showed relevant materials for applying for loans, such as the certificate of legal representative, the business license, the agreement on undertaking contract of Mid-south Group, and the Group's statement of income, statements of accounts, fund balance sheets, etc. Since Guangzhou Air Force Enterprise Administration, Mid-south Group's superior entity, was not eligible to guarantee the loans, Lin proposed to mortgage the loans with the 20 million Yuan of bank acceptances issued by ABOC East Suburb Office, with PLA 9560 Plant as the payee, and to hand over the drafts numbered X16784780, X16794781, X16784784 and X16784785 to BOC Company. Both parties concluded a “Loan Contract” on the 14th day of that month, agreeing that: BOC Company shall grant 20 million Yuan of current fund loans to Mid-south Group, with the monthly interest rate at 9.36‰ and the term being 8 months (from September 14, 1990 to May 16, 1991). Lin and Ren Quansheng (deputy general manager of BOC Company) signed the contract respectively, and the borrower affixed the seal of Mid-south Group and the seal of PLA 9560 Plant, while the lender affixed the seal of BOC Company. After the contract was concluded, BOC Company worried that it would be unable to repay the loans when the term expired due to Mid-south Group's poor management. Thus BOC Company proposed to modify the payee of the bank acceptances from PLA 9560 Plant into BOC Company. On September 20, BOC Company and Mid-south Group added a guarantee clause to the original loan contract after negotiation: “The borrower shall issue the bank acceptances with the lender as the payee for the sake of mortgage, and guarantees to issue them within 15 days after the loans were granted. In case of any delay, the lender shall be entitled to collect interest surcharge from the borrower at the rate of 0.005% per day. 5 million Yuan of loans shall be granted first, and the remaining 15 million Yuan shall be granted at sight of the drafts.” On September 27, Deng Xihui, vice board chairman of Mid-south Group, arrived at Xining, and ABOC East Suburb Office proposed that Mid-south Group could not bring in funds for ABOC East Suburb Office unless the 20 million Yuan of bank acceptances with BOC Company as the payee were issued. On October 1, Li Lixiang (deputy manager of the Credit Department of BOC Company, “Li” hereafter), Lin and Jiang went to Xining together, requiring ABOC East Suburb Office to modify the payee of the bank acceptances from PLA 9560 Plant into BOC Company. In the evening, Li showed Liu Nailing (deputy director general of ABOC East Suburb Office, “Liu” hereafter) 9.76 million Yuan of bank acceptances issued by the BOC Company to PLA 9560 Plant on September 25. On October 3, ABOC East Suburb Office issued the bank acceptances numbered X16858015 and X16858016, with BOC Company as the payee at the total par value of 20 million Yuan. The date of expiry was July 3, 1991. Subsequently, Su Yuming (director general of ABOC East Suburb Office) and Liu handed over the second pages of the two bank acceptances to Li in Lanzhou, and then Li handed over the bank acceptances with a par value of 9.76 million Yuan to Lin. On October 7, Jiang took away the third pages (pages on payment) of the bank acceptances issued on October 3 from Liu who was in Guangzhou, and handed them to BOC Company in Beijing. Meanwhile, Jiang took back the bank acceptances whose par value totaled 20 million Yuan and whose payee was PLA 9560 Plant from the Company and returned them to Liu. By October 3, BOC Company totally granted 19.52 million Yuan of current fund loans to Mid-south Group, and deducted 480,000 Yuan of commission charge directly when granting the loans. After obtaining the loans, Mid-south Group deposited 6.5 million Yuan into the account opened by Chengdong Haiyun Trade Department Store in Xining (hereinafter referred to as Haiyun Department Store) in ABOC East Suburb Office.
......
 
1990年9月4日,中国农业银行西宁市支行东郊办事处(以下简称农行东郊办)为从中南航空企业集团(以下简称中南集团)引进资金,签发了10张面额各为500万元的银行承兑汇票,其中收款人为中南集团下属企业解放军9560工厂的6张计3000万元,农行东郊办还出具了3张未写抬头的确认书,确认书上标明的各汇票号码与汇票号码完全一致。农行西宁市支行农行东郊办分别在确认书上加盖了公章。同年9月中旬,中南集团承包人林敬轩和该集团驻北京办事处主任江林到中银公司联系贷款,并出示了法定代表人的证明、营业执照、承包中南集团的合同以及该集团经营利润表、明细表、资金平衡表等申请贷款的有关材料。因中南集团上级单位广州空军企业管理局无资格对贷款进行担保,林敬轩提出以农行东郊办签发的收款人为解放军9560工厂的银行承兑汇票2000万元作为贷款抵押,并将汇票交给中银公司,票号为X16784780、X16794781、X16784784、X16784785。当月14日,借贷双方签订了《人民币贷款合同》,约定:中银公司向中南集团发放流动资金贷款2000万元,月利率9.36‰,期限8个月(1990年9月14日至1991年5月16日)。中南集团林敬轩和中银公司副总经理任全胜分别在合同上签名,借款方加盖了中南集团公章和解放军9560工厂公章,贷款方加盖了中银公司公章。合同签订后,中银公司考虑到中南集团经营不善,担心贷款到期后无力还贷,提出将用以抵押的银行承兑汇票的收款人由解放军9560工厂变为中银公司。当月20日,中银公司与中南集团经协商在原贷款合同上增补了担保条款:“借款方开出以贷款方为收款人的银行承兑汇票作抵押,借款方保证在贷款发生后15日内将银行承兑汇票开出,逾期贷款方向借款方加收每日万分之五的罚息,先贷500万元,票到后再贷1500万元。”当月27日,中南集团副董事长邓锡辉到西宁,向农行东郊办提出必须开出以中银公司为收款人的2000万元银行承兑汇票,中南集团才能为农行东郊办引进资金。同年10月1日,中银公司信贷部副经理李立祥、中南集团林敬轩、江林一同到西宁,要求农行东郊办将银行承兑汇票的收款人由解放军9560工厂变更为中银公司。当晚,李立祥给农行东郊办副主任刘乃玲出示了中银公司于同年9月25日签发给解放军9560工厂的976万元银行汇票。同年10月3日,农行东郊办签发了以中银公司为收款人、票面金额合计人民币2000万元的银行承兑汇票,票号为:X16858015、X16858016,汇票到期日为1991年7月3日。随即,农行东郊办主任苏玉明,副主任刘乃玲在兰州市将上述两张银行承兑汇票第2联交给李立祥,李立祥将976万元银行汇票交给林敬轩。10月7日,江林在广州市从刘乃玲处取走10月3日签发的银行承兑汇票第三联(解讫联)在北京交给中银公司,同时从该公司取回收款人为解放军9560工厂票面金额合计为2000万元的银行承兑汇票退还刘乃玲。到10月3日止,中银公司共向中南集团发放流动资金贷款1952万元,放贷时直接扣收手续费48万元。中南集团取得贷款后,将其中的650万元转存西宁市城东海云贸易商场(以下简称海云商场)在农行东郊办的帐户。
......

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