问题 问答题

2002年5月,甲公司向乙公司购买一批生产设备,签发了一张为期6个月的商业汇票。乙公司将该票据转让给丙,丙在汇票上记载“质押”文句,并在票据上签章后交给丁,丁将汇票又转让给戊。戊向银行提示付款。
甲公司收到乙公司交付的设备后,认为不符合合同约定的质量要求,甲、乙公司因此发生争议。甲公司遂通知银行停止支付票据款。
2002年10月9日,甲公司会计室被盗,除丢失现金外,还丢失1张商业承兑汇票。甲公司到银行办理了挂失止付手续。A将从甲公司盗得的汇票以甲公司的名义向B公司购买电脑一台,B公司不知该汇票是A盗取的,收下了汇票,并将该汇票背书转让给C。C在汇票上注明“不得背书”字样后将该汇票转让给了D,但D又将其转让给E。10月25日,E持该汇票向银行提示付款。银行将票据款支付给E。甲公司得知后提出异议,银行认为甲公司挂失止付已过12天,未收到法院的止付通知书,挂失止付通知书已失效。甲公司认为该汇票已经挂失止付,票据已失效。银行不应明知票据已丢失仍然付款。
根据上述情况,分析下列问题:
(1) 银行能否以甲公司与乙公司存在合同纠纷为由拒绝支付票据款
(2) 若戊未获提示付款,甲、乙、丙、丁应否向戊承担票据责任
(3) B、C、D、E对甲公司丢失的票据进行的票据行为是否有效
(4) 银行认为甲公司挂失止付已过12天,未收到法院的止付通知书,挂失止付通知书已失效的理由是否正确甲公司认为该汇票已经挂失止付,票据已失效,银行不应明知票据已丢失仍然付款的理由是否正确
(5) 若E向银行提示未获付款,则E能否向A、B、C、D行使追索权

答案

参考答案:(1) 银行不能以甲公司与乙公司存在合同纠纷为由拒绝支付票据款。
因为票据关系与票据基础关系不同。票据关系一经形成,就与基础关系相分离,基础关系是否存在,是否有效,对票据关系都不起作用。
(2) 若戊未获提示付款,甲、乙、丁应向戊承担票据责任。丙将汇票质押给丁,故对丁之后的被背书人戊不承担票据责任。
(3) B、C、D、E的票据行为有效。票据取得人不知道或者不可能知道票据转让者存在权利上的瑕疵而受让票据,根据民法理论中的善意取得原则,只要票据形式合法,该票据取得人获得的票据就受法律保护。
(4) 银行认为甲公司挂失止付已过12天,未收到法院的止付通知书,挂失止付通知书已失效的理由正确。挂失止付是失票人丧失票据后的一种暂时的预防措施,为主张票据权利,失票人还应采取向人民法院申请公示催告或普通诉讼的方式,由人民法院向银行发出止付通知书。
(5) E可向A、B、D行使追索权。因c在汇票上注明“不得背书”,故对D的被背书人E不承担保证责任。

单项选择题 A1/A2型题
完形填空
When I began planning to move to Auckland to study, my mother was worried about a lack of jobs and cultural differences. Ignoring these   1   I got there in July 2010.   2  I arrived, I realized the importance of getting a job   3 my living  experience. Determined to do this ,  I spent several weeks going door-to-door for a job, but found   5  response(回应)
One afternoon, I walked into a building to ask  6  there were any job opportunities(机会),The people there advised me not to continue my job search in that   7 . As I was about to   8 , a man who had been listening approached me and asked me to wait outside   9 . Nearly ten minutes later, he   10 ,He asked me about my plans and encouraged me to stay   11  . Then he offered to take me to Royal Oak to  12 a job.
I was a little surprised, but had a  13  feeling about him. Along the way ,I realized that I had   14  resumes(简历). Seeing this, the man  15 at his business partner’s office to make me fifteen   16  copies. He also gave me some      17  on dressing and speaking. I handed out my resume and went home feeling very 18  . The following day, I received a   19  from a store in Royal Oak offering me a job.
It seems that the world always  20  to you when you need it .And this time, it was a complete stranger who turned out to be a real blessing.
小题1:
A.doubtsB.concernsC.instructionsD.reasons
小题2:
A.Even ifB.Every timeC.Now thatD.Soon after
小题3:
A.ofB.atC.forD.with
小题4:
A.on my ownB.on my wayC.by any chanceD.by the day
小题5:
A.anyB.muchC.someD.little
小题6:
A.whyB.whereverC.whetherD.whenever
小题7:
A.directionB.attitudeC.languageD.manner
小题8:
A.answerB.workC.leaveD.refuse
小题9:
A.for everB.at any timeC.as usualD.for a while
小题10:
A.returnedB.hesitatedC.passedD.regretted
小题11:
A.silentB.busyC.positiveD.comfortable
小题12:
A.pick outB.hunt forC.take onD.give up
小题13:
A.dullB.goodC.guiltyD.general
小题14:
A.made use ofB.taken care ofC.run out ofD.become tired of
小题15:
A.stoppedB.knocked C.glancedD.appeared
小题16:
A.rightB.moreC.formerD.different
小题17:
A.pressuresB.agreementsC.impressionD.suggestions
小题18:
A.lonelyB.funnyC.disappointedD.satisfied
小题19:
A.callB.tipC.presentD.report
小题20:
A.turns offB.goes overC.gives backD.looks up