{"id":15765,"date":"2024-09-09T23:00:34","date_gmt":"2024-09-09T23:00:34","guid":{"rendered":"https:\/\/attorneywu.com\/chn\/?p=15765"},"modified":"2025-01-30T22:54:57","modified_gmt":"2025-01-30T22:54:57","slug":"%e6%8f%ad%e7%a4%ba%e9%93%b6%e8%a1%8c%e8%b4%a3%e4%bb%bb%ef%bc%9a%e8%af%88%e9%aa%97%e5%bc%95%e5%8f%91%e7%9a%84%e8%b5%84%e9%87%91%e8%bd%ac%e7%a7%bb%e6%a1%88%e4%be%8b%e7%a0%94%e7%a9%b6","status":"publish","type":"post","link":"http:\/\/attorneywu.com\/chn\/law\/%e6%8f%ad%e7%a4%ba%e9%93%b6%e8%a1%8c%e8%b4%a3%e4%bb%bb%ef%bc%9a%e8%af%88%e9%aa%97%e5%bc%95%e5%8f%91%e7%9a%84%e8%b5%84%e9%87%91%e8%bd%ac%e7%a7%bb%e6%a1%88%e4%be%8b%e7%a0%94%e7%a9%b6\/","title":{"rendered":"\u63ed\u793a\u94f6\u884c\u8d23\u4efb\uff1a\u8bc8\u9a97\u5f15\u53d1\u7684\u8d44\u91d1\u8f6c\u79fb\u6848\u4f8b\u7814\u7a76"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"15765\" class=\"elementor elementor-15765\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1e6000 e-flex e-con-boxed e-con e-parent\" data-id=\"c1e6000\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e3248b4 elementor-widget elementor-widget-text-editor\" data-id=\"e3248b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u63ed\u793a\u94f6\u884c\u8d23\u4efb\uff1a\u8bc8\u9a97\u5f15\u53d1\u7684\u8d44\u91d1\u8f6c\u79fb\u6848\u4f8b\u7814\u7a76<\/p><p>\u00a0<\/p><p>By Cynthia Wu<\/p><p>\u00a0<\/p><p><strong><b>\u60a8\u597d \u5434\u5f8b\u5e08\uff0c\u5927\u6982\u7684\u4e8b\u4ef6\u662f\u8fd9\u6837\uff1a\u91c7\u8bbf\u5bf9\u8c61\u662f\u5728\u7ebd\u7ea6\u7684\u4e00\u4e2a\u7528\u6237\uff0c\u4ed6\u7684\u82b1\u65d7\u94f6\u884c\u7ed1\u5b9a\u7684\u624b\u673a\u53f7\u88ab\u7be1\u6539\uff0c\u5bfc\u81f4\u8d26\u6237\u767b\u5f55\u4e0d\u4e0a\uff0c\u5361\u91cc\u768418\u4e07\u88ab\u4eba\u4ee5\u652f\u7968\u7684\u5f62\u5f0f\u53d6\u8d70\u4e86\uff0c\u636e\u5979\u8bf4\u53bb\u94f6\u884c\u67dc\u53f0\u53cd\u6620\u7684\u65f6\u5019\u652f\u7968\u8fd8\u6ca1\u5b58\u8fdb\u8d26\u6237\u6709\u673a\u4f1a\u62e6\u622a\uff0c\u4f46\u94b1\u6700\u540e\u8fd8\u662f\u88ab\u5212\u8d70\uff0c\u5411\u94f6\u76d1\u4f1a\u62a5\u6b3a\u8bc8\u4e5f\u88ab\u62d2\uff0c\u5bf9\u65b9\u7684\u7406\u7531\u662f\u6000\u7591\u5979\u81ea\u5df1\u6cc4\u6f0f\u4e86\u4e2a\u4eba\u4fe1\u606f\u3002\u5c31\u8fd9\u4e2a\u4e8b\u4ef6\uff0c\u6211\u4eec\u60f3\u627e\u5f8b\u5e08\u8fd9\u8fb9\u7ed9\u51fa\u4e00\u4e9b\u4e13\u4e1a\u6027\u7684\u610f\u89c1\uff1a1\u3001\u9047\u5230\u8fd9\u79cd\u60c5\u51b5\u5982\u4f55\u7ef4\u6743\uff1f2\u3001\u5c31\u7b97\u662f\u81ea\u5df1\u5bfc\u81f4\u7684\u4fe1\u606f\u6cc4\u6f0f\u94f6\u884c\u5c31\u53ef\u4ee5\u4e0d\u8d1f\u8d23\u5417\uff1f3\u3001\u5982\u4f55\u907f\u514d\uff1f \u00a0<\/b><\/strong><\/p><p><strong><b>\u00a0<\/b><\/strong><\/p><p>\u7b54\u6848\uff1a \u5177\u4f53\u60c5\u51b5\u53d6\u51b3\u4e8e\u8c01\u8f6c\u79fb\u4e86\u8d26\u6237\u4e2d\u7684\u8d44\u91d1\u3002\u5982\u679c\u8d44\u91d1\u662f\u7531\u88ab\u8bc8\u9a97\u8005\u6216\u5176\u4ee3\u7406\u4eba\u8f6c\u51fa\uff0c\u4e00\u822c\u800c\u8a00\uff0c\u94f6\u884c\u4e0d\u627f\u62c5\u8d23\u4efb\u3002\u7136\u800c\uff0c\u5982\u679c\u662f\u7b2c\u4e09\u65b9\u901a\u8fc7\u8bc8\u9a97\u624b\u6bb5\u4fb5\u5165\u94f6\u884c\u8d26\u6237\u5e76\u8f6c\u8d70\u8d44\u91d1\uff0c\u94f6\u884c\u53ef\u80fd\u9700\u8981\u627f\u62c5\u8d23\u4efb\u3002\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u9700\u8981\u8bc4\u4f30\u91d1\u878d\u673a\u6784\u7a0b\u5e8f\u7684\u5546\u4e1a\u5408\u7406\u6027\u3002\u91cd\u8981\u7684\u662f\u8981\u68c0\u67e5\u94f6\u884c\u662f\u5426\u9075\u5faa\u4e86\u4e0e\u5ba2\u6237\u5546\u5b9a\u7684\u5546\u4e1a\u5408\u7406\u7684\u5b89\u5168\u7a0b\u5e8f\uff0c\u5e76\u4e14\u662f\u5426\u672c\u7740\u8bda\u4fe1\u539f\u5219\u9075\u5b88\u4e86\u8fd9\u4e9b\u5b89\u5168\u7a0b\u5e8f\u53ca\u4efb\u4f55\u4e66\u9762\u534f\u8bae\u3002\u5373\u4f7f\u5ba2\u6237\u4e0d\u5c0f\u5fc3\u6cc4\u9732\u4e86\u94f6\u884c\u4fe1\u606f\uff0c\u5982\u679c\u94f6\u884c\u672a\u80fd\u9075\u5faa\u5546\u4e1a\u5408\u7406\u7684\u5b89\u5168\u7a0b\u5e8f\uff0c\u5b83\u4ecd\u7136\u53ef\u80fd\u9700\u8981\u627f\u62c5\u90e8\u5206\u8d23\u4efb\u3002\u94f6\u884c\u6709\u4fdd\u62a4\u5ba2\u6237\u8d26\u6237\u7684\u8d23\u4efb\u3002\u5982\u679c\u94f6\u884c\u6ca1\u6709\u672c\u7740\u8bda\u4fe1\u884c\u4e8b\u6216\u672a\u9075\u5b88\u5546\u5b9a\u7684\u5b89\u5168\u63aa\u65bd\uff0c\u53ef\u80fd\u4f1a\u88ab\u8ffd\u7a76\u8d23\u4efb\u3002<\/p><p>\u00a0<\/p><p><strong><b>\u6cd5\u6761\uff1a<\/b><\/strong><strong><b>UCC\u7b2c4A-202\u6761\uff1a<\/b><\/strong><\/p><ol><li>\u5982\u679c\u53d1\u4ef6\u4eba\u7ed9\u51fa\u4e86\u660e\u786e\u7684\u6279\u51c6\u6216\u6839\u636e\u4ee3\u7406\u6cd5\u5f8b\u53d7\u5230\u7ea6\u675f\uff0c\u5219\u652f\u4ed8\u6307\u4ee4\u88ab\u6388\u6743\u3002<\/li><li>\u5373\u4f7f\u652f\u4ed8\u6307\u4ee4\u672a\u88ab\u6388\u6743\uff0c\u5982\u679c\u6ee1\u8db3\u4ee5\u4e0b\u6761\u4ef6\uff0c\u4e5f\u53ef\u4ee5\u89c6\u4e3a\u6709\u6548\uff1a<ol><li>\u94f6\u884c\u9075\u5faa\u4e0e\u5ba2\u6237\u5546\u5b9a\u7684\u5546\u4e1a\u5408\u7406\u7684\u5b89\u5168\u7a0b\u5e8f\u3002<\/li><li>\u94f6\u884c\u672c\u7740\u8bda\u4fe1\u5e76\u9075\u5b88\u5b89\u5168\u7a0b\u5e8f\u548c\u4efb\u4f55\u4e66\u9762\u534f\u8bae\u3002 \u94f6\u884c\u65e0\u9700\u9075\u5faa\u8fdd\u53cd\u534f\u8bae\u6216\u672a\u80fd\u53ca\u65f6\u6b63\u786e\u901a\u8baf\u7684\u6307\u793a\u3002NY UCC \u00a7 4-A-202 (2023)<\/li><\/ol><\/li><\/ol><p>\u00a0<\/p><ol><li><b><\/b><strong><b>\u6388\u6743\u7684\u8f6c\u8d26<\/b><\/strong><b><\/b><\/li><\/ol><p>\u5728\u6388\u6743\u7535\u6c47\u7684\u80cc\u666f\u4e0b\uff0cUCC\u7b2c4A\u6761\u8bbe\u5b9a\u4e86\u5177\u4f53\u89c4\u5219\u4ee5\u786e\u5b9a\u652f\u4ed8\u6307\u4ee4\uff08\u5982\u7535\u6c47\uff09\u662f\u5426\u88ab\u89c6\u4e3a\u6388\u6743\u3002\u8fd9\u4e9b\u89c4\u5219\u5728\u89e3\u51b3\u5173\u4e8e\u8f6c\u8d26\u662f\u5426\u5f97\u5f53\u6388\u6743\u4ee5\u53ca\u8c01\u5e94\u627f\u62c5\u4ea4\u6613\u8d23\u4efb\u7684\u4e89\u8bae\u4e2d\u81f3\u5173\u91cd\u8981\u3002<\/p><p><strong><b>UCC 4A-202(1)\u6761\u4e0b\u7684\u5173\u952e\u89c4\u5b9a<\/b><\/strong>\u00a0\u6839\u636e\u7b2c4A-202(1)\u6761\uff0c\u5982\u679c\u6ee1\u8db3\u4ee5\u4e0b\u6761\u4ef6\uff0c\u5219\u652f\u4ed8\u6307\u4ee4\u88ab\u89c6\u4e3a\u6388\u6743\uff1a<\/p><ul><li>\u6388\u6743\u4eba\u6388\u6743\u4e86\u8ba2\u5355\uff1a\u5982\u679c\u652f\u4ed8\u6307\u4ee4\u7531\u88ab\u8bc6\u522b\u4e3a\u53d1\u4ef6\u4eba\u7684\u4eba\uff08\u6216\u5b9e\u4f53\uff09\u660e\u786e\u6388\u6743\uff0c\u5219\u8be5\u8ba2\u5355\u5177\u6709\u7ea6\u675f\u529b\u3002\u8fd9\u610f\u5473\u7740\uff0c\u6709\u6743\u542f\u52a8\u8f6c\u8d26\u7684\u4e2a\u4eba\u6216\u4ee3\u7406\u4eba\u4e0b\u8fbe\u4e86\u4ea4\u6613\u6307\u4ee4\u3002<\/li><li>\u4ee3\u7406\u539f\u5219\uff1a\u5373\u4f7f\u8ba2\u5355\u672a\u76f4\u63a5\u6388\u6743\uff0c\u53d1\u4ef6\u4eba\u4e5f\u53ef\u4ee5\u6839\u636e\u4ee3\u7406\u6cd5\u5f8b\u88ab\u8ba2\u5355\u7ea6\u675f\u3002\u4f8b\u5982\uff0c\u5982\u679c\u5458\u5de5\u6216\u6388\u6743\u7b7e\u5b57\u4eba\u5728\u5176\u6388\u6743\u8303\u56f4\u5185\u884c\u52a8\uff0c\u4ea4\u6613\u53ef\u80fd\u88ab\u89c6\u4e3a\u6388\u6743\u3002<\/li><li>\u8fd9\u662f\u4e00\u4e2a\u95e8\u69db\u67e5\u8be2\uff1a\u5982\u679c\u8f6c\u8d26\u88ab\u89c6\u4e3a\u6388\u6743\uff0c\u67e5\u8be2\u5373\u544a\u7ed3\u675f\uff0c\u91d1\u878d\u673a\u6784\u65e0\u9700\u8bc4\u4f30\u5176\u7a0b\u5e8f\u7684\u5546\u4e1a\u5408\u7406\u6027\u3002<\/li><\/ul><p><strong><b>\u6848\u4f8b\u793a\u4f8b\uff1aHarborview Capital Partners, LLC v. Cross River Bank<\/b><\/strong>\u00a0\u5728Harborview Capital Partners, LLC\u5bf9Cross River Bank\u7684\u6848\u4f8b\u4e2d\uff0c\u6cd5\u9662\u5904\u7406\u4e86\u4e00\u4e2aCEO\u7684\u7535\u5b50\u90ae\u4ef6\u8d26\u6237\u88ab\u9ed1\u5ba2\u653b\u51fb\u7684\u60c5\u51b5\u3002\u5192\u5145CEO\u7684\u8bc8\u9a97\u8005\u6307\u793a\u516c\u53f8\u7684\u6388\u6743\u8d26\u6237\u7ecf\u7406\u53d1\u8d77\u7535\u6c47\u3002\u6cd5\u9662\u53d1\u73b0\uff0c\u8f6c\u8d26\u88ab\u6388\u6743\uff0c\u56e0\u4e3a\u6388\u6743\u8d26\u6237\u7ecf\u7406\u9075\u5faa\u4e86\u6307\u793a\uff0c\u5c3d\u7ba1\u5979\u88ab\u6b3a\u9a97\u4e86\u3002<\/p><ul><li>\u5173\u952e\u88c1\u51b3\uff1a\u7531\u4e8e\u7535\u6c47\u7531\u6388\u6743\u4ee3\u8868\uff08\u8d26\u6237\u7ecf\u7406\uff09\u6388\u6743\uff0c\u6cd5\u9662\u88c1\u5b9a\u94f6\u884c\u4e0d\u627f\u62c5\u8d23\u4efb\u3002\u6839\u636eUCC\u7b2c4A-202(1)\u6761\u7684\u67e5\u8be2\u8868\u660e\uff0c\u4e00\u65e6\u652f\u4ed8\u6307\u4ee4\u88ab\u6388\u6743\uff0c\u94f6\u884c\u5728\u9a8c\u8bc1\u5b89\u5168\u7a0b\u5e8f\u7684\u89d2\u8272\u53d8\u5f97\u65e0\u5173\u7d27\u8981\u3002<\/li><li>\u6db5\u4e49\uff1a\u8d26\u6237\u7ecf\u7406\u88ab\u6b3a\u9a97\u7684\u4e8b\u5b9e\u5e76\u672a\u6539\u53d8\u5979\u6709\u6743\u542f\u52a8\u7535\u6c47\u7684\u4e8b\u5b9e\uff0c\u4f7f\u5f97\u4ea4\u6613\u5bf9\u516c\u53f8\u5177\u6709\u7ea6\u675f\u529b\u3002<\/li><\/ul><p><strong><b>\u4e00\u65e6\u6388\u6743\uff0c\u5546\u4e1a\u5408\u7406\u6027\u65e0\u5173\u7d27\u8981<\/b><\/strong>\u00a0\u5982\u679c\u6839\u636e\u7b2c4A-202(1)\u6761\u652f\u4ed8\u6307\u4ee4\u88ab\u89c6\u4e3a\u6388\u6743\uff0c\u94f6\u884c\u65e0\u9700\u8bc1\u660e\u5176\u91c7\u7528\u4e86\u5546\u4e1a\u5408\u7406\u7684\u5b89\u5168\u7a0b\u5e8f\u3002\u8fd9\u610f\u5473\u7740\uff0c\u53ea\u8981\u8f6c\u8d26\u7531\u6388\u6743\u4eba\u8fdb\u884c\uff0c\u94f6\u884c\u53ef\u4ee5\u6267\u884c\u8f6c\u8d26\uff0c\u65e0\u9700\u8fdb\u4e00\u6b65\u9a8c\u8bc1\u4ea4\u6613\u7684\u771f\u5b9e\u6027\u3002<\/p><ul><li>\u8fd9\u4e00\u65b9\u9762\u5728ADS Assocs. Grp., Inc. v. Oritani Sav. Bank, 99 A.3d 345 (\u65b0\u6cfd\u897f\uff0c2014\u5e74)\u6848\u4e2d\u8fdb\u4e00\u6b65\u8ba8\u8bba\u3002\u6cd5\u9662\u5f3a\u8c03\uff0c\u5982\u679c\u652f\u4ed8\u6307\u4ee4\u4e8b\u5b9e\u4e0a\u5f97\u5230\u6388\u6743\uff0c\u94f6\u884c\u662f\u5426\u9075\u5faa\u5546\u4e1a\u5408\u7406\u7a0b\u5e8f\u4e0d\u5f71\u54cd\u4ea4\u6613\u7684\u6709\u6548\u6027\u3002<\/li><\/ul><p><strong><b>\u00a0<\/b><\/strong><\/p><p><strong><b>\u91d1\u878d\u673a\u6784\u7684\u5f71\u54cd<\/b><\/strong>\u00a0<\/p><p>\u91d1\u878d\u673a\u6784\uff0c\u5982\u94f6\u884c\uff0c\u901a\u5e38\u5728UCC\u7b2c4A\u6761\u4e0b\uff0c\u53ea\u8981\u8f6c\u8d26\u7531\u6709\u6743\u8fdb\u884c\u6b64\u7c7b\u8f6c\u8d26\u7684\u4eba\u6216\u5b9e\u4f53\u53d1\u8d77\uff0c\u5c31\u53d7\u5230\u6388\u6743\u4ea4\u6613\u7684\u8d23\u4efb\u4fdd\u62a4\u3002\u8fd9\u79cd\u4fdd\u62a4\u81f3\u5173\u91cd\u8981\uff0c\u56e0\u4e3a\u5b83\u5141\u8bb8\u94f6\u884c\u5904\u7406\u652f\u4ed8\u6307\u4ee4\uff0c\u65e0\u9700\u6df1\u5165\u63a2\u7a76\u6307\u4ee4\u662f\u5426\u5728\u6b3a\u9a97\uff08\u4f8b\u5982\uff0c\u7535\u5b50\u90ae\u4ef6\u8bc8\u9a97\u6216\u793e\u4f1a\u5de5\u7a0b\u653b\u51fb\uff09\u4e0b\u7ed9\u51fa\u3002<\/p><p><strong><b>\u7ed3\u8bba<\/b><\/strong>\u00a0\u5f53\u7535\u6c47\u5728UCC\u7b2c4A-202(1)\u6761\u4e0b\u88ab\u6388\u6743\u65f6\uff0c\u5373\u4f7f\u6307\u4ee4\u662f\u56e0\u6b3a\u9a97\u6216\u8bc8\u9a97\u800c\u7ed9\u51fa\uff0c\u94f6\u884c\u4e5f\u4e0d\u5bf9\u4efb\u4f55\u7ed3\u679c\u7684\u635f\u5931\u627f\u62c5\u8d23\u4efb\u3002\u5173\u952e\u7684\u67e5\u8be2\u662f\u542f\u52a8\u8f6c\u8d26\u7684\u4e2a\u4eba\u662f\u5426\u6709\u6743\u8fd9\u6837\u505a\u3002\u8fd9\u4e00\u89c4\u5219\u4fdd\u62a4\u4e86\u94f6\u884c\u514d\u53d7\u8d23\u4efb\uff0c\u53ea\u8981\u4ed6\u4eec\u9075\u5b88\u57fa\u672c\u8981\u6c42\uff0c\u5373\u652f\u4ed8\u6307\u4ee4\u7531\u6388\u6743\u4eba\u53d1\u8d77\u3002<\/p><p>\u00a0<\/p><ol start=\"2\"><li><b><\/b><strong><b>\u672a\u6388\u6743\u8f6c\u8d26 <\/b><\/strong><\/li><\/ol><p>\u6839\u636eUCC\u7b2c4A\u6761\uff0c\u7279\u522b\u662f\u7b2c4A-202\u8282\uff0c\u91d1\u878d\u673a\u6784\u901a\u5e38\u5bf9\u672a\u6388\u6743\u7684\u7535\u6c47\u8d1f\u6709\u8d23\u4efb\uff0c\u9664\u975e\u5b83\u4eec\u80fd\u8bc1\u660e\u4e24\u4e2a\u5173\u952e\u56e0\u7d20\uff1a<\/p><ul><li>\u5546\u4e1a\u5408\u7406\u7684\u5b89\u5168\u7a0b\u5e8f\uff1a\u94f6\u884c\u91c7\u7528\u4e86\u4e0e\u5ba2\u6237\u5546\u5b9a\u7684\u5546\u4e1a\u5408\u7406\u7684\u5b89\u5168\u63aa\u65bd\u3002<\/li><li>\u8bda\u4fe1\u4e0e\u5408\u89c4\uff1a\u94f6\u884c\u4ee5\u8bda\u4fe1\u6267\u884c\u652f\u4ed8\u6307\u4ee4\uff0c\u5e76\u4e14\u9075\u5b88\u90a3\u4e9b\u5b89\u5168\u7a0b\u5e8f\u548c\u4e0e\u8d26\u6237\u6301\u6709\u4eba\u7684\u4efb\u4f55\u534f\u8bae\u3002<\/li><\/ul><p>\u8fd9\u610f\u5473\u7740\uff0c\u5982\u679c\u94f6\u884c\u672a\u9075\u5faa\u5546\u4e1a\u5408\u7406\u7684\u5b89\u5168\u7a0b\u5e8f\u6216\u4ee5\u4e0d\u8bda\u4fe1\u7684\u65b9\u5f0f\u884c\u4e8b\uff0c\u5b83\u53ef\u80fd\u4f1a\u56e0\u672a\u6388\u6743\u7684\u8f6c\u8d26\u800c\u88ab\u8ffd\u7a76\u8d23\u4efb\u3002<\/p><p><strong><b>\u6848\u4f8b\u6cd5\u4f8b\u5b50<\/b><\/strong><\/p><p>Patco Construction Co. v. People\u2019s United Bank, 684 F.3d 197 (\u7b2c\u4e00\u5de1\u56de\u4e0a\u8bc9\u6cd5\u9662\uff0c2012\u5e74)\uff1a<\/p><ul><li>\u60c5\u5883\uff1a\u9ed1\u5ba2\u83b7\u53d6\u4e86\u4e00\u540d\u5458\u5de5\u7684\u51ed\u8bc1\uff0c\u5e76\u53d1\u8d77\u4e86\u516c\u53f8\u8d26\u6237\u7684\u672a\u6388\u6743\u8f6c\u8d26\u3002<\/li><li>\u94f6\u884c\u7684\u884c\u52a8\uff1a\u94f6\u884c\u7684\u5b89\u5168\u7cfb\u7edf\u5c06\u4ea4\u6613\u6807\u8bb0\u4e3a\u9ad8\u98ce\u9669\uff0c\u56e0\u4e3a\u5177\u6709\u4e0d\u5bfb\u5e38\u7684\u7279\u5f81\uff0c\u4f46\u94f6\u884c\u6ca1\u6709\u91c7\u53d6\u989d\u5916\u6b65\u9aa4\u6765\u9a8c\u8bc1\u5b83\u4eec\u7684\u5408\u6cd5\u6027\u3002<\/li><li>\u6cd5\u9662\u7684\u51b3\u5b9a\uff1a\u7b2c\u4e00\u5de1\u56de\u4e0a\u8bc9\u6cd5\u9662\u88c1\u5b9a\uff0c\u94f6\u884c\u7684\u5b89\u5168\u7a0b\u5e8f\u4e0d\u5177\u5546\u4e1a\u5408\u7406\u6027\u3002\u56e0\u6b64\uff0c\u94f6\u884c\u4e0d\u80fd\u5c06\u635f\u5931\u8f6c\u5ac1\u7ed9\u5ba2\u6237\uff0c\u6839\u636eUCC\u7b2c4A-202(2)\u8282\u3002<\/li><li>\u6db5\u4e49\uff1a\u5982\u679c\u94f6\u884c\u7684\u5b89\u5168\u63aa\u65bd\u4e0d\u5145\u5206\uff0c\u672a\u80fd\u9632\u6b62\u672a\u6388\u6743\u8bbf\u95ee\uff0c\u94f6\u884c\u53ef\u80fd\u5bf9\u53d1\u751f\u7684\u635f\u5931\u8d1f\u8d23\u3002<\/li><\/ul><p>\u00a0<\/p><p>Harborview Capital Partners, LLC v. Cross River Bank, No. 20-3447 (\u65b0\u6cfd\u897f\u5dde\u5730\u65b9\u6cd5\u9662\uff0c2022\u5e744\u670826\u65e5)<\/p><ul><li>\u60c5\u5883\uff1a\u4e00\u540d\u8bc8\u9a97\u8005\u9ed1\u8fdb\u4e86CEO\u7684\u7535\u5b50\u90ae\u4ef6\uff0c\u5e76\u6307\u793a\u516c\u53f8\u7684\u4f1a\u8ba1\u7ecf\u7406\u53d1\u8d77\u7535\u6c47\u3002\u4f1a\u8ba1\u7ecf\u7406\u4f5c\u4e3a\u6388\u6743\u4ee3\u8868\uff0c\u9075\u4ece\u4e86\u6307\u793a\u3002<\/li><li>\u94f6\u884c\u7684\u884c\u52a8\uff1a\u94f6\u884c\u8054\u7cfb\u4f1a\u8ba1\u7ecf\u7406\u786e\u8ba4\u6bcf\u7b14\u7535\u6c47\u3002<\/li><li>\u6cd5\u9662\u7684\u51b3\u5b9a\uff1a\u6cd5\u9662\u53d1\u73b0\uff0c\u8f6c\u8d26\u662f\u88ab\u6388\u6743\u7684\uff0c\u56e0\u4e3a\u5b83\u4eec\u662f\u7531\u6388\u6743\u4ee3\u8868\u53d1\u8d77\u7684\uff0c\u5373\u4f7f\u5979\u88ab\u6b3a\u9a97\u4e86\u3002\u6839\u636eUCC\u7b2c4A-202(1)\u8282\uff0c\u7531\u4e8e\u652f\u4ed8\u6307\u4ee4\u88ab\u6388\u6743\uff0c\u94f6\u884c\u4e0d\u627f\u62c5\u8d23\u4efb\uff0c\u65e0\u9700\u8bc4\u4f30\u5b89\u5168\u7a0b\u5e8f\u7684\u5546\u4e1a\u5408\u7406\u6027\u3002<\/li><li>\u6db5\u4e49\uff1a\u5982\u679c\u6388\u6743\u4ee3\u8868\u6279\u51c6\u4e86\u8f6c\u8d26\u2014\u2014\u5373\u4f7f\u88ab\u6b3a\u9a97\u2014\u2014\u94f6\u884c\u53ef\u80fd\u4e0d\u4f1a\u88ab\u8ffd\u7a76\u8d23\u4efb\uff0c\u524d\u63d0\u662f\u5b83\u6309\u7167\u5546\u5b9a\u7684\u7a0b\u5e8f\u884c\u4e8b\u3002<\/li><\/ul><ol start=\"3\"><li><b><\/b><strong><b>\u6bd4\u8f83\u5408\u540c\u3001\u4fb5\u6743\u548cUCC\u5bf9\u672a\u6388\u6743\u8f6c\u8d26\u7684\u4e3b\u5f20\uff1a<\/b><\/strong><\/li><\/ol><p>\u5728\u672a\u6388\u6743\u8f6c\u8d26\u7684\u80cc\u666f\u4e0b\uff0c\u6cd5\u9662\u901a\u5e38\u533a\u5206\u5408\u540c\u4e3b\u5f20\u3001\u4fb5\u6743\u4e3b\u5f20\u548cUCC\u4e3b\u5f20\uff0c\u6bcf\u79cd\u90fd\u6d89\u53ca\u4e0d\u540c\u7684\u6cd5\u5f8b\u6807\u51c6\u548c\u8865\u6551\u63aa\u65bd\u3002<\/p><ol><li>\u5408\u540c\u4e3b\u5f20\uff1a<ul><li>\u6027\u8d28\uff1a\u5f53\u8d26\u6237\u6301\u6709\u4eba\u548c\u91d1\u878d\u673a\u6784\u4e4b\u95f4\u7684\u534f\u8bae\u53d1\u751f\u8fdd\u7ea6\u65f6\uff0c\u5c31\u4f1a\u4ea7\u751f\u5408\u540c\u4e3b\u5f20\u3002\u4f8b\u5982\uff0c\u94f6\u884c\u53ef\u80fd\u672a\u9075\u5b88\u5176\u5173\u4e8e\u5b89\u5168\u534f\u8bae\u6216\u9a8c\u8bc1\u6b65\u9aa4\u7684\u6761\u6b3e\u3002<\/li><li>\u5e38\u89c1\u7528\u9014\uff1a\u8d26\u6237\u6301\u6709\u4eba\u53ef\u80fd\u4f1a\u4e3b\u5f20\uff0c\u94f6\u884c\u672a\u9075\u5b88\u5546\u5b9a\u7684\u5b89\u5168\u63aa\u65bd\uff08\u4f8b\u5982\uff0c\u591a\u56e0\u7d20\u8ba4\u8bc1\uff09\uff0c\u5bfc\u81f4\u672a\u6388\u6743\u8f6c\u8d26\u3002<\/li><li>\u9632\u5fa1\uff1a\u94f6\u884c\u53ef\u4ee5\u901a\u8fc7\u663e\u793a\u5176\u9075\u5faa\u4e86\u534f\u8bae\u548c\u5b89\u5168\u7a0b\u5e8f\u7684\u6761\u6b3e\u6765\u4e3a\u81ea\u5df1\u8fa9\u62a4\uff0c\u9664\u975e\u94f6\u884c\u771f\u6b63\u672a\u5c3d\u5176\u804c\u8d23\uff0c\u5426\u5219\u5ba2\u6237\u5f88\u96be\u8bc1\u660e\u4e3b\u5f20\u3002<\/li><\/ul><\/li><li>\u4fb5\u6743\u4e3b\u5f20\uff1a<ul><li>\u6027\u8d28\uff1a\u4fb5\u6743\u4e3b\u5f20\uff0c\u5982\u758f\u5ffd\uff0c\u6d89\u53ca\u8fdd\u53cd\u4e00\u822c\u6cd5\u5f8b\u4e49\u52a1\uff0c\u72ec\u7acb\u4e8e\u4efb\u4f55\u5408\u540c\u4e49\u52a1\u3002\u4f8b\u5982\uff0c\u5ba2\u6237\u53ef\u80fd\u4f1a\u4e3b\u5f20\u94f6\u884c\u5728\u9632\u6b62\u672a\u6388\u6743\u4ea4\u6613\u65b9\u9762\u758f\u5ffd\u3002<\/li><li>\u6311\u6218\uff1a\u5728\u6b64\u80cc\u666f\u4e0b\uff0c\u4fb5\u6743\u4e3b\u5f20\u901a\u5e38\u96be\u4ee5\u8bc1\u660e\uff0c\u56e0\u4e3a\u6cd5\u9662\u7ecf\u5e38\u5e94\u7528\u7ecf\u6d4e\u635f\u5931\u539f\u5219\uff0c\u8be5\u539f\u5219\u9650\u5236\u4e86\u5728\u5408\u540c\u7ba1\u7406\u5173\u7cfb\u65f6\u901a\u8fc7\u4fb5\u6743\u83b7\u5f97\u7eaf\u7ecf\u6d4e\u635f\u5931\u7684\u6062\u590d\u3002\u6cd5\u9662\u53ef\u80fd\u4f1a\u9a73\u56de\u758f\u5ffd\u4e3b\u5f20\uff0c\u8f6c\u800c\u652f\u6301\u5408\u540c\u6216UCC\u4e3b\u5f20\uff0c\u5c24\u5176\u662f\u5f53\u5173\u7cfb\u53d7\u5230\u8d26\u6237\u534f\u8bae\u7ba1\u7406\u65f6\u3002<\/li><li>\u793a\u4f8b\uff1a\u5728Patco Construction Co. v. People\u2019s United Bank\u6848\u4e2d\uff0c\u6cd5\u9662\u53d1\u73b0\u94f6\u884c\u53ef\u80fd\u5728\u672a\u8fdb\u884c\u9002\u5f53\u5b89\u5168\u68c0\u67e5\u7684\u60c5\u51b5\u4e0b\u6279\u51c6\u4e86\u53ef\u7591\u4ea4\u6613\uff0c\u4f46\u4fb5\u6743\u4e3b\u5f20\u4e0e\u94f6\u884c\u7684\u5408\u540c\u548c\u6cd5\u5b9a\u804c\u8d23\u5bc6\u5207\u76f8\u5173\u3002<\/li><\/ul><\/li><li>UCC\u4e3b\u5f20\uff08\u7b2c4A\u6761\uff09\uff1a<ul><li>\u6027\u8d28\uff1aUCC\u7b2c4A\u6761\u7ba1\u7406\u7535\u6c47\uff0c\u5e76\u63d0\u4f9b\u4e86\u6e05\u6670\u7684\u6846\u67b6\uff0c\u4ee5\u786e\u5b9a\u4f55\u65f6\u94f6\u884c\u53ef\u4ee5\u56e0\u672a\u6388\u6743\u8f6c\u8d26\u800c\u88ab\u8ffd\u7a76\u8d23\u4efb\u3002<\/li><li>\u5173\u952e\u89c4\u5b9a\uff1a\u6839\u636e\u7b2c4A-202\u8282\uff0c\u9664\u975e\u94f6\u884c\u80fd\u663e\u793a\uff1a 1.\u5df2\u7ecf\u91c7\u7528\u5546\u4e1a\u5408\u7406\u7684\u5b89\u5168\u7a0b\u5e8f\uff0c\u5e76\u4e14 2.\u94f6\u884c\u5728\u5904\u7406\u652f\u4ed8\u65f6\u8868\u73b0\u51fa\u8bda\u4fe1\u3002<\/li><li>\u9632\u5fa1\uff1a\u5982\u679c\u94f6\u884c\u53ef\u4ee5\u8bc1\u660e\u5b83\u9075\u5faa\u4e86\u5546\u5b9a\u7684\u5546\u4e1a\u5408\u7406\u7a0b\u5e8f\uff0c\u5373\u4f7f\u8f6c\u8d26\u6700\u7ec8\u88ab\u8bc1\u660e\u662f\u672a\u6388\u6743\u7684\uff0c\u5b83\u4e5f\u4e0d\u4f1a\u627f\u62c5\u8d23\u4efb\u3002\u8fd9\u4e00\u6846\u67b6\u7ecf\u5e38\u53d6\u4ee3\u5408\u540c\u548c\u4fb5\u6743\u4e3b\u5f20\u3002<\/li><li>\u793a\u4f8b\uff1a\u5728Harborview Capital Partners, LLC v. Cross River Bank\u6848\u4e2d\uff0c\u6cd5\u9662\u53d1\u73b0\u5982\u679c\u8d26\u6237\u6301\u6709\u4eba\u7684\u4ee3\u8868\uff08\u6839\u636e202(1)\u8282\uff09\u6388\u6743\u4e86\u652f\u4ed8\u6307\u4ee4\uff0c\u5c31\u7ed3\u675f\u4e86\u8c03\u67e5\u3002\u6cd5\u9662\u8fd8\u53d1\u73b0\uff0c\u5373\u4f7f\u8f6c\u8d26\u672a\u88ab\u6388\u6743\uff0c\u94f6\u884c\u4e5f\u53ef\u4ee5\u901a\u8fc7\u8bc1\u660e\u5176\u9075\u5faa\u4e86\u5546\u4e1a\u5408\u7406\u7a0b\u5e8f\u6765\u907f\u514d\u8d23\u4efb\u3002<\/li><\/ul><\/li><\/ol><p><strong><b>\u7edf\u4e00\u5546\u6cd5\u5178\uff08UCC\uff09\u7b2c4A\u6761\u901a\u5e38\u53d6\u4ee3\u666e\u901a\u6cd5\u4e3b\u5f20<\/b><\/strong>\u00a0\u5728\u7f8e\u56fd\u5404\u5730\u7684\u6cd5\u9662\u4e2d\uff0c\u6cd5\u9662\u5c06UCC\u7b2c4A\u6761\u89c6\u4e3a\u5728\u6d89\u53ca\u672a\u6388\u6743\u6216\u6388\u6743\u7535\u6c47\u7684\u6848\u4ef6\u4e2d\u53d6\u4ee3\u666e\u901a\u6cd5\u4e3b\u5f20\u3002\u4f8b\u5982\uff0c\u65b0\u6cfd\u897f\u6cd5\u9662\u88c1\u5b9a\uff0c\u6d89\u53ca\u5176\u8303\u56f4\u5185\u8d44\u91d1\u8f6c\u79fb\u7684\u4ea4\u6613\u4e2d\uff0c\u758f\u5ffd\u548c\u8fdd\u7ea6\u4e3b\u5f20\u88abUCC\u7b2c4A\u6761\u7684\u89c4\u5b9a\u6240\u53d6\u4ee3\u3002\u8fd9\u4e5f\u53cd\u6620\u5728\u5305\u62ec\u7ebd\u7ea6\u548c\u52a0\u5229\u798f\u5c3c\u4e9a\u5728\u5185\u7684\u5176\u4ed6\u5dde\u7684\u51b3\u5b9a\u4e2d\u3002 \u5728ADS Assocs. Grp., Inc. v. Oritani Sav. Bank (NJ)\u6848\u4e2d\uff0c\u6cd5\u9662\u88c1\u5b9a\uff0c\u5f53UCC\u7ba1\u7406\u4e00\u6b21\u7535\u6c47\u65f6\uff0c\u5176\u5173\u4e8e\u652f\u4ed8\u6307\u4ee4\u7684\u6388\u6743\u548c\u9a8c\u8bc1\u7684\u89c4\u5219\u4f18\u5148\u4e8e\u4e0e\u4ea4\u6613\u76f8\u5173\u7684\u666e\u901a\u6cd5\u4e3b\u5f20\u3002\u7c7b\u4f3c\u5730\uff0cHarborview Capital Partners, LLC v. Cross River Bank\u6848\u5904\u7406\u4e86UCC\u7b2c4A\u6761\u5bf9\u666e\u901a\u6cd5\u4e3b\u5f20\u7684\u53d6\u4ee3\u95ee\u9898\uff0c\u5f97\u51fa\u7ed3\u8bba\uff0c\u5f53\u8f6c\u8d26\u53d7UCC\u7ba1\u7406\u65f6\uff0c\u8865\u6551\u63aa\u65bd\u9650\u4e8eUCC\u6240\u89c4\u5b9a\u7684\uff0c\u800c\u4e0d\u662f\u901a\u8fc7\u666e\u901a\u6cd5\u4fb5\u6743\u6216\u5408\u540c\u7406\u8bba\u3002 \u8fd9\u79cd\u53d6\u4ee3\u7279\u522b\u9002\u7528\u4e8e\u6839\u636eUCC\u7b2c4A\u6761\u7ba1\u7406\u7684\u7535\u6c47\uff0c\u8be5\u6761\u63d0\u4f9b\u4e86\u5173\u4e8e\u8d23\u4efb\u3001\u5b9a\u4e49\u201c\u6388\u6743\u201d\u8f6c\u8d26\u548c\u5b89\u5168\u7a0b\u5e8f\u7684\u5177\u4f53\u6307\u5357\u3002\u6cd5\u9662\u88c1\u5b9a\uff0c\u8fd9\u53d6\u4ee3\u4e86\u666e\u901a\u6cd5\u4e3b\u5f20\uff0c\u56e0\u4e3aUCC\u7b2c4A\u6761\u521b\u5efa\u4e86\u89e3\u51b3\u672a\u6388\u6743\u4ea4\u6613\u7b49\u95ee\u9898\u7684\u6846\u67b6\uff0c\u4e3a\u666e\u901a\u7684\u758f\u5ffd\u6216\u8fdd\u7ea6\u4e3b\u5f20\u7559\u4e0b\u4e86\u8f83\u5c11\u7684\u7a7a\u95f4\u3002 \u5728\u7ebd\u7ea6\u3001\u65b0\u6cfd\u897f\u548c\u52a0\u5229\u798f\u5c3c\u4e9a\u7b49\u53f8\u6cd5\u8f96\u533a\uff0c\u4e00\u8d2f\u652f\u6301UCC\u5728\u8fd9\u4e9b\u6848\u4ef6\u4e2d\u7684\u4f18\u5148\u6743\u3002<\/p><p>\u00a0<\/p><ol start=\"4\"><li><b><\/b><strong><b>\u5c06\u8fd9\u4e9b\u539f\u5219\u5e94\u7528\u4e8e\u60a8\u7684\u60c5\u51b5 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