The author pointed out that the legal nature of note discount should be the two parties ' legal act of bill right transfer by analyzing defects of “ the loan doctrine ” and “ the note act doctrine ” 作者通过分析“贷款说”和“票据行为说”的缺陷，指出票据贴现的法律性质应该为票据权利转让的双方法律行为。
Article 12 a person who acquires a negotiable instrument by means of fraud , theft , or coercion , or , with knowledge of the aforementioned situations , acquires the instrument out of ill intention shall have no right thereon 第十二条以欺诈、偷盗或者胁迫等手段取得票据的，或者明知有前列情形，出于恶意取得票据的，不得享有票据权利。
This thesis divided into three chapters , they are : the advance of the problem of the negotiable instruments bearing forged indorsement , the legal analysis of the problem , and the discussion of legislation concerning the problem 本文第二部分剖析了影响各当事人的法律因素,对票据权利的善意取得以及被伪造人的过失责任进行详细论述。
Part three : applying the basic theory , discuss the three methods of remedy for those obligee of bills , who forfeit the bills , stipulated in china ' s laws governing bills , their application and the corresponding principles of laws 第三部分：运用基础理论探讨我国票据法所规定的对票据权利人丧失票据的三种救济方法的具体适用及相应的法律原理。
The corporations of china began to use commercial paper more and more regularly . one important character of commercial paper is the negotiability . and the transfer mode of the act on commercial paper includes endorsement and single delivery 背书是转让票据权利、使票据进行流通的重要方式和手段,而背书的连续与否是影响新的票据权利人的票据权利的重要因素。
Part four : applying the basic theories about bills , and principles about forgery of bills and the transfer risks , devise remedial methods for those non obligee of bills , who have lost the bill , according to various situation 第四部分：运用票据基础理论以及票据伪造、风险转嫁的有关原理，针对不同的票据丧失情形，对丧失票据直接占有的各类非票据权利人设计补救方法。
Along with the development of the economy , the conduct and actions knot pays the negotiable instrument usage more and more extension , the negotiable instrument will appear to lose the note phenomenon inevitably in using process 随着经济的发展,作为支付手段的票据使用越来越广泛,票据在使用过程中不可避免地会出现丧失票据现象。票据作为设权证券和提示证券,丧失票据就丧失了行使票据权利的凭证。
Article 16 the procedure by which the bearer of the instrument exercises his rights or preserves his rights against the debtor shall be carried out in the business premises of the party concerned during business hours or at their place of residence if no business premises exist 第十六条持票人对票据债务人行使票据权利，或者保全票据权利，应当在票据当事人的营业场所和营业时间内进行，票据当事人无营业场所的，应当在其住所进行。
Article 16 to exercise or preserve his rights on a negotiable instrument against the person who is liable for the instrument , the holder shall do it on the business premises of the party concerned and within the business hours , or at his domicile in the absence of business premises 第十六条持票人对票据债务人行使票据权利，或者保全票据权利，应当在票据当事人的营业场所和营业时间内进行，票据当事人无营业场所的，应当在其住所进行。
In the former crime , the author lays special emphasis on the understanding and consent of forging and altering act , and points out that forging act is characterized by unreal sign and stamp while altering act changes the relationship of rights and duty displayed in financial bills though sign and stamp are real . in the latter , the author analyses the reason why the purpose of illegal possession should be regarded as objective element , the way of action and criminal amount 重点诠释伪造、变造金融票证罪与票据诈骗罪，在前罪中侧重对伪造、变造行为的理解与认定并指出伪造行为关键是签章不真实而变造行为虽然签章真实但改变了票据权利义务关系，后罪中则侧重分析了非法占有目的作为主观构成要件之理由、行为方式和犯罪数额等。
