内容提要
票据支付是我国经济交易中的一种形式，票据交易的主要特点是“信用支付”，在20世纪早期，票据是最主要的支付工具。随着我国社会经济的发展，市场经济体系不断完善，商务、贸易之间的交易往来越来越频繁，各类型的支付形式开始出现，虽然如今网络支付已经十分普及，但是银行票据仍旧作为人们经济交易中必不可少的一个重要组成部分。本文从票据诈骗的形成因素入手，如：金融业对票据的相关法制体系尚未完善、社会对银行票据诈骗的防范意识较差、银行机构账户管理工作不到位、银行的相关技术手段落后等，并且根据票据诈骗的形成因素指出了，我国当前金融票据诈骗犯罪的特点，即：犯罪手段呈多样化、智能化；作案职业化、团伙化、规模化，内外勾结严重；对根据正常商品交易签发出的合法有效票据办理止付手续，骗取资金；捡到票据的不法分子利用出票行和代理付款行的分离，骗取资金。票据诈骗的主要形式有伪造票据、变造票据、形式复杂化、票据诈骗出现国际化趋势。最终，提出防范票据诈骗风险的对策，如：加大金融机构之间的合作力度，建立覆盖整个金融系统的防御体系、强化银企协作，坚持打击票据诈骗等。
关键词：票据诈骗 主要形式 防范措施
Content summary
Bill payment is a form of economic transactions in China, the main feature of the transaction is “credit payment”, in the early 20th century, the bill is the most important payment tool. With the development of China’s social economy, the market economy system has been improved, and the transaction between business and trade has become more and more frequent. Various types of payment forms have begun to appear. Although the network payment is very popular today, the bank notes are still being regarded as people’s economy An indispensable part of the transaction. This paper starts from the formation factors of bill fraud, such as: the financial system has not yet improved the relevant legal system of the notes, the poor awareness of the bank bill fraud, the bank account management work is not in place, the bank’s technical means behind, and According to the formation factors of the bill fraud, the characteristics of the crime of fraud in China are as follows: namely, the means of crime are diversified and intelligent. The professionalism, grouping, scale and internal and external collusion are serious. Of the lawful and effective bills to stop procedures, fraudulent funds; picked up the notes of the lawless elements of the use of ticket firms and agents of the separation of payment lines, fraudulent funds. The main forms of bill fraud are counterfeit notes, altered bills, complex forms, and international fraud. Finally, put forward the measures to prevent the risk of bill fraud, such as: to increase cooperation between financial institutions, the establishment of the entire financial system covering the defense system, strengthen bank-enterprise collaboration, insist on crackdown on fraud.
Keywords: bill fraud, the main form, the model measures
目 录
一、票据诈骗的形成因素
（一）金融业对票据的相关法制体系尚未完善
（二）社会对银行票据诈骗的防范意识较差
（三）银行机构账户管理工作不到位
（四）银行的相关技术手段落后
二、当前金融票据诈骗犯罪的特点
（一）犯罪手段呈多样化、智能化
（二）作案职业化、团伙化、规模化
（三）对根据正常商品交易签发出的合法有效票据办理止付手续，骗取资金
（四）捡到票据的不法分子利用出票行和代理付款行的分离，骗取资金
三、票据诈骗的主要形式
（一）伪造票据
（二）变造票据
（三）形式复杂化
（四）票据诈骗出现国际化趋势
四、防范票据诈骗风险的对策
（一）注意易发票据诈骗案件的业务环节
（二）采用先进的防伪技术和高科技印刷手段
（三）加强业务学习，强化内部管理，健全和落实各项规章制度
（四）加大金融机构之间的合作力度，建立覆盖整个金融系统的防御体系
（五）强化银企协作，坚持打击票据诈骗
结论
参考文献
