近年来,我国票据市场在经历了快速发展之后,已进入了一个相对稳定和亟待深化的关键性历史时期,在拓宽企业融资渠道、改善金融资产结构、密切新型银企关系、提高货币政策效力、促进社会需求等方面,继续发挥着重要作用,票据市场在规范中稳步前行。但是,在票据业务不断发展的过程中,却出现了一些不和谐因素,票据诈骗已经成为金融犯罪中一个危害巨大的毒瘸,一些不法分子利用银行票据进行诈骗的手段越来越狡 In recent years, after the rapid development of China’s bill market, it has entered a crucial historical period that is relatively stable and urgently needed to be deepened. While broadening the channels of financing for enterprises, improving the structure of financial assets, closely relating to new types of banks and enterprises, and enhancing the effectiveness of monetary policy, Promote social needs and so on, continue to play an important role in the bill market steadily forward. However, during the continuous development of the bill business, some discordant factors have emerged. Ticket fraud has become a devastating drug criminality. Some criminals are becoming more and more cunning by means of bank bills