在我国中小企业融资难是一个普遍的问题,虽然各级政府做了很多努力但是这个问题仍然不见改观。于是,各种各样的融资方式被发展起来,以弥补一般贷款渠道的不足。同时,各种各样的融资诈骗也被不法之徒开发出来。存单诈骗就是其中的一种。在我国除部分国有企业外,一般民营企业和银 Financing of SMEs in our country is a common problem. Although all levels of government have done a lot of efforts, the problem still remains the same. As a result, a variety of financing methods have been developed to make up for the lack of general loans. At the same time, a variety of financing frauds have also been developed by lawless people. Deposit fraud is one of them. In addition to some state-owned enterprises in our country, private enterprises in general and silver