notice of dishonour 拒付通知

在汇票、支票等票据遭到拒绝付款或拒绝承兑时向对票据负责的任何人——包括出票人及所有的前手背书人等——发出的通知，有权发出该通知的人为持票人。此外，持有被拒兑或拒付票据的代理人或银行亦有权向其委托人、客户或其从之收到票据的另一代理人或银行发出该通知。该通知行为是通知人由于票据被拒兑或拒付而对出票人或背书人享有诉权的必要条件。

A notice of dishonor is a formal notice stating that the bank will not accept a check or draft presented to the institution. A notice of dishonor may be given to the holder or presenter of the instrument. It may also be given to the issuing institution. A notice of dishonor typically happens often when there are insufficient funds for a bank draft or check. According to Article 3, Section 503 of the UCC, a notice of dishonor “may be given by any commercially reasonable means,” including electronic, written, or oral communication. A properly executed notice of dishonor should identify the instrument being dishonored and clarify that said instrument is not being honored, accepted, or paid. 以下为具体例句，可供参考：

例句1

A notice of dishonor typically occurs when there are insufficient funds for a bank draft or check. This can happen when a person or institution is low on funds or misses a needed deposit to make the transaction whole. The creation of a notice of dishonor is governed by Article 3 of the Uniform Commercial Code (UCC), one of many uniform acts that exist to standardize laws governing commercial transactions across all 50 U.S. states, territories, and the District of Columbia. Article 3 governs the use of negotiable instruments, including checks and promissory notes.

拒付通知通常发生在银行汇票或支票资金不足的时候。当一个人或机构资金不足或丢失了完成交易所需的存款时，就会发生这种情况。拒付通知的创建受《统一商法典》(UCC)第3条的管辖，这是美国所有50个州、地区和哥伦比亚特区规范商业交易法律的众多统一法案之一。第3条管辖包括支票和本票在内的可转让票据的使用。

例句2

The notice is valued as long as it is issued and delivered in a reasonable and professional manner. A notice of dishonor must be signed by a notary public, but any person can deliver it. Any notice that is promptly delivered completely discharges any obligation of the endorser of the instrument.

只要通知是以合理和专业的方式发布和交付的，它就有价值。拒付通知必须由公证人签字，但任何人都可以递送。任何被迅速交付的通知完全解除票据背书人的任何义务。

例句3

A notice of dishonor can also occur as a result of an online scam. In this type of scheme, a sender of a check would ask the recipient to deposit it; at the same time, they would pay the sender some of the monies. In this situation, the check would eventually bounce and, as a result, the recipient will be at a loss for the amount of the bank fees and whatever money they gave to the sender. The sender had no intention of using real funds, so the recipient is left holding a net loss because their bank cannot retrieve the funds from the sender's bank.

网上诈骗也可能导致拒付通知。在这种情况下，支票的汇款人会要求收款人存款；同时，他们会付给寄件人一些钱。在这种情况下，支票最终会被退回，结果，收款人会因为银行手续费的金额以及他们给汇款人的任何钱而处于亏损状态。汇款人无意使用真实资金，因此收款人将面临净亏损，因为他们的银行无法从汇款人的银行取回资金。

例句4

In general the notice of dishonor may be given by the holder or some one authorized by him or by some one who is a party and liable to pay the bill or note. But notice given by a stranger is not sufficient. On the death of the holder, his executor or administrator is required to give notice, and if none be then appointed, the notice must be given within a reasonable time after one may be appointed.

一般来说，拒付通知可以由持票人或其授权的人或作为一方并有责任支付票据的人发出。但是陌生人的通知是不够的。持有人死亡时，其遗嘱执行人或遗产管理人必须发出通知，如果当时没有指定任何人，则必须在指定人后的合理时间内发出通知。