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外汇托收是银行在收到客户交付的外汇票据,在该票据上签字盖章后,发往国外的指定付款银行,代理客户收取票据所载金额的款项的业务。近来发现,一些境内外不法分子相互勾结,利用银行的外汇托收这一正常业务,进行诈骗犯罪活动。1994年9月28日,香港某公司在境外伪造了一份贷款5亿美金的协议,并以此为凭证,伪造出5亿美金的本票和16750万元美金的息票,同时,在本票上伪造了我国内银行的保兑条款,然后,由国内懂得银行业务知识的同伙携本、息票到银行办理外汇托收,企图以此骗得银行方面的签字盖章。由于银行采取了及时而又成功的防范措施,这一内外勾结的诈骗活动才未得逞。这一新型的诈骗活动,将我国内银行作为直接侵害客体,且数额巨大,手法隐蔽,更有不可撤销的保兑条款,因此,对我国的金融秩序,乃至对我国的社会主义市场经济秩序都有着极大的潜在的危害性。这就迫使我们要对这一新型的犯罪现象的特点加以剖析,以使有关部门的工作人员对此有较深的认识,以提高防范意识,避免国家的损失。
Foreign exchange collection is the business of receiving the bill of exchange from the customer, signing the stamp of the bill, sending it to a designated payment bank in foreign countries and acting on behalf of the client. Recently, it has been discovered that some lawbreakers at home and abroad collude with each other and use the foreign exchange of banks to collect this normal business for fraud and criminal activities. On September 28, 1994, a company in Hong Kong faked a loan of 500 million U.S. dollars overseas for the purpose of vouchers, forging a 500 million U.S. dollar promissory note and a 167.5 million U.S. dollar dollar coupon. At the same time, Tickets forged the confirmation clause of the domestic bank in our country. After that, our domestic counterparts, who know the knowledge of banking business, brought the bank account and interest coupons to the bank for collection of foreign exchange in an attempt to deceive the signature and stamp of the bank. Due to the timely and successful preventive measures taken by the banks, the fraudulent collusion between China and other countries failed. This new type of fraud will make our country’s banks an object of direct infringement and contain a huge amount of hidden and irrevocable confirmation terms. Therefore, the financial order of our country and even the socialist market economic order of our country Has great potential harm. This forces us to analyze the characteristics of this new type of crime so that staff in related departments have a deeper understanding on this issue so as to raise awareness on prevention and avoid state losses.