判斷題持票人因超過票據(jù)權(quán)利時(shí)效而喪失票據(jù)權(quán)利的,仍享有民事權(quán)利,可以請(qǐng)求出票人或承兌人返還其與未支付的票據(jù)金額相當(dāng)?shù)睦妗?