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金融票证,包括汇票、本票、支票、委托收款凭证、汇款凭证、银行存单、信汇单、电汇单、信用卡、信用证或其随付的单据、文件等有价证券和银行结算凭证,是现代市场经济条件下极为流行的信用工具和结算凭证。现代经济生活中,各企事业单位、机关团体及个体工商户之间的经济往来都离不开以银行为中介的金融票证结算;据资料显示,尽管80%-90%的交易是用现金结算的,但利用金融票证进行转帐结算的交易额已占交易总额90%以上。随着金融票证的出现和其功能的增强,利用各种金融票证进行诈骗犯罪也相伴而生,破坏了正常的金融秩
Financial bills, including bills of exchange, promissory notes, checks, commission receipts, remittance documents, bank certificates of deposit, letter orders, wire transfers, credit cards, letters of credit or their accompanying documents, documents and other securities and bank settlement vouchers, It is a very popular credit instrument and settlement voucher for the modern market economy. In modern economic life, economic transactions between enterprises, institutions, individual groups and individual industrial and commercial households are inseparable from the settlement of bank-mediated financial bills. According to statistics, although 80% to 90% of transactions are settled in cash However, the amount of transactions that have been settled by means of financial instruments has accounted for more than 90% of the total amount of transactions. With the advent of financial coupons and the enhancement of their functions, the use of various kinds of financial coupons to defraud crime has also come along, undermining the normal financial rank