Except for commercial banks, no one may engage in bill discount activities. If the holder of an unexpired bank acceptance bill needs funds, he can apply to a commercial bank for discount, and the discount rate is much lower than that of private trading.

whoever forges or alters financial bills under any of the following circumstances shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also, or shall only, be fined not less than 2, yuan but not more than 2, yuan; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated:

1.

2. Forge or alter other bank settlement vouchers such as entrusted collection vouchers, remittance vouchers and bank deposit certificates;

3. Forged or altered letters of credit or accompanying documents and documents;

4. Forged credit cards.

if a unit commits related crimes, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with relevant regulations.

violation of state regulations that disturbs the market order under any of the following circumstances, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also, or shall only, be fined not less than one time but not more than five times the income from violation; if the circumstances are especially serious, shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than one time but not more than five times.

1. To engage in franchise, monopoly goods or other goods whose trading is restricted as stipulated by laws and administrative regulations without permission.

2. buying and selling import and export licenses, import and export certificates of origin, and business licenses or approval documents stipulated by other laws and administrative regulations.

3. illegally engaging in securities, futures and insurance business, or illegally engaging in fund payment and settlement business without the approval of the relevant competent department of the state.

4. Other illegal business practices that seriously disrupt the market order.

Legal basis: Article 178 of the Criminal Law of the People's Republic of China

Crime of forging or altering state securities; Crime of forging or altering stocks, company or enterprise bonds. Whoever forges or alters treasury bills or other securities issued by the state in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or only be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated.

Whoever forges or alters stocks or bonds of companies or enterprises, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also, or shall only, be fined not less than 1, yuan but not more than 1, yuan; If the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined not less than 2, yuan but not more than 2, yuan.

if a unit commits the crimes mentioned in the preceding two paragraphs, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding two paragraphs.