There are legal risks in bank acceptance bills. For example, the acceptor forged or altered bills, deliberately used forged or altered bills, and accepted bills under the guise of others, or the drawer of bills or promissory notes made false records to defraud property when issuing tickets, causing corresponding losses to banks.

legal ground

Article 102 of the People's Republic of China (PRC) Negotiable Instruments Law.

Any of the following acts of bill fraud shall be investigated for criminal responsibility according to law:

(1) Forging or altering bills;

(2) Intentionally using forged or altered bills;

(3) Issuing a bad check or deliberately issuing a check that is inconsistent with its reserved signature pattern or seal to defraud property;

(four) issuing bills of exchange and promissory notes without reliable sources of funds to defraud funds;

(5) The drawer of a bill of exchange or promissory note makes false records at the time of issuing the bill to defraud money or property.

(six) fraudulent use of other people's bills, or deliberately use expired and invalid bills to defraud property;

(7) The payer, the drawer and the holder collude maliciously and commit any of the acts listed in the preceding six items.