票据贴现是票据融资的主要方式。在司法实践中,相当数量的票据纠纷都与违规贴现有关,其中的焦点问题是违反贴现经营规则对票据进行贴现会产生什么样的法律后果,笔者在此做一探讨。贴现是持票人卖出票据,商业银行买入票据的行为,是银行参与商业信用的一种形式。在我国,并不是任何人都可以买入票据进行贴现,只有经过批准有权开展票据贴现的银行和其他金融机构才可以从事此种票据买入行为。商业银行买入票据并予以贴现与其他情形下当事人之间转让票据的目的正好相反,贴现人取得票据不是为了获得 Bill discounting is the main method of bill financing. In judicial practice, a considerable number of bills disputes are related to discounted bills, the focus of which is discounted in violation of the rules of the discount discounted bills will produce what kind of legal consequences, the author makes a discussion here. Discounting is a form in which the bearer sells bills and the commercial banks buy bills, which is a form of bank participation in commercial credit. In our country, not everyone can buy bills for discounts, and only those banks and other financial institutions that have the right to discard bills can do so. Commercial banks buy bills and discount them In the reverse of the purpose of the instruments of transfer between the parties in other cases, the disclaimer obtained by the discounter is not for the purpose of obtaining