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在社会主义市场经济的建立和完善中,一些犯罪分子的魔爪已伸向了国家金融部门,利用银行汇兑结算方式进行诈骗就是其中的一种。所谓利用银行汇兑结算方式诈骗是指犯罪分子以非法占有为目的,利用汇款单位委托其开户银行将款项汇给异地指定收款单位和个人的结算方式,骗取银行的和企业的现金和财物案件。此类犯罪在众多的经济诈骗犯罪中危害最大,是属于智能型犯罪。汇兑方式分为信汇、电汇、票汇3种。信汇是银行使用邮递凭证划转款项,结算时间稍慢。电汇是使用电报划转款项,结算时间短,用户可根据支付款项的急需程度选用。单位如有急事,将款项汇往交通不便,缺乏电讯设备的地
In the establishment and improvement of the socialist market economy, the fiasco of some criminals has been extended to the state financial sector. One of them is the use of bank exchange settlement to make fraud. The so-called use of bank exchange settlement means fraud refers to criminals for the purpose of illegal possession, the use of remittance commission entrusted its bank to remit the money to designated receiving entities and individuals in different settlement, fraud bank and business cash and property cases. Such crimes in many of the most jealys of economic fraud, is a smart crime. Exchange is divided into foreign exchange, wire transfer, 3 kinds of ticket exchange. Letter and exchange is the use of mail vouchers bank transfer funds, settlement time is slightly slower. Telegraph transfer telegraph is money, settlement time is short, the user can choose according to the urgently needed payment. In the event of an emergency, the units will remit the money to places with no convenient transportation facilities and no telecommunications equipment