noun
non-negotiable bill
A bill of exchange or promissory note that explicitly prohibits endorsement (裏書), making it non-transferable. Used in commercial and banking contexts.
この手形は裏書禁止手形なので、譲渡できません。
This is a non-negotiable bill, so it cannot be transferred.
Compound of 裏書 (endorsement) + 禁止 (prohibition) + 手形 (bill). The term directly describes a bill that forbids endorsement.