追索權 償還權 償還請求權 主票據債務人責任 償還義務人責任 追索權人 被追索人 償還義務人連帶責任 民法連帶責任 保付 Right of recourse Liability of principal instrument debtor Liability of recourse Person who has right of recourse Person who against right of recourse Jointly and severally liable Certification of a check