Legal analysis: Using an altered bankbook to defraud the bank. The forged and altered passbook is a financial certificate. This behavior not only violates the national financial management order but also violates the ownership of public property, so it is consistent with the The constituent elements of the crime of financial certificate fraud.

Legal basis: "The People's Republic of China and the Civil Code"

Article 148: One party uses fraudulent means to cause the other party to act against its true intention For civil legal acts, the party who was defrauded has the right to request the people's court or arbitration institution to cancel it.

Article 149: If a third party commits a fraudulent act, causing one party to perform a civil legal act against his true intention, and the other party knows or should know about the fraudulent act, the party who was defrauded shall have the right to The right to request the people's court or arbitration institution to revoke it.

Article 150: If one party or a third party uses coercion to cause the other party to perform a civil legal act against its true intention, the coerced party has the right to request the people's court or arbitration institution to cancel it. .

Article 194 of the Criminal Law of the People's Republic of China and the People's Republic of China: Anyone who commits financial bill fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention. and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other serious circumstances For other particularly serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated:

(1) Knowingly knowing that a bill of exchange is forged or altered , cashier's check, or check;

(2) Using a money order, cashier's check, or check knowingly that it is invalid;

(3) Pretending to use another person's money order, cashier's check, or check

(4) Issuing bad checks or checks that do not match the seals reserved to defraud property;

(5) Issuing by the drawer of bills of exchange or promissory notes Making money orders or cashier's checks without financial guarantee or making false records when issuing the bills to defraud property.

Anyone who uses forged or altered entrusted collection vouchers, remittance vouchers, bank deposit certificates and other bank settlement vouchers shall be punished in accordance with the provisions of the preceding paragraph.