person liable for a negotiable instrument may set up defenses against the holder who has a direct creditor-debtor relationship with him and does not perform the obligations agreed upon .票據(jù)債務(wù)人可以對不履行約定義務(wù)的與自己有直接債權(quán)債務(wù)關(guān)系的持票人,進(jìn)行抗辯。