2024/9/2 凌晨12:25 Criminal Law of the People's Republic of China (2) knowingly using an invalidated bill of exchange, promissory note or cheque; (3) using a bill of exchange, promissory note or cheque in the name of another person or entity without authorization; (4) issuing a rubber cheque or a cheque on which the seal is not in conformity with the reserved specimen seal, in order to obtain money or other forms of property; or (5) in the capacity of a drawer, issuing a bill of exchange or promissory note not backed by funds, or falsely specifying the particulars thereon at the time of issue, in order to obtain money or other forms of property. Whoever uses a forged or an altered bank settlement document, such as the certificate of entrusted collection of payments, the certificate of remittance and the certificate of deposits, shall be punished in accordance with the provisions in the preceding paragraph. Article 195 Whoever commits fraud in relation to a letter of credit in any of the following ways shall be sentenced to fixed-term imprisonment of not more than 5 years or short-term custody, with a fine of not less than RMB 20,000 yuan but not more than RMB 200,000 yuan. If the amount involved is large or there are other serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 5 years but not more than 10 years, with a fine of not less than RMB 50,000 yuan but not more than RMB 500,000 yuan. If the amount involved is especially large or there are other especially serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, with a fine of not less than RMB 50,000 yuan but not more than RMB 500,000 yuan or confiscation of property: (1) using a forged or an altered letter of credit, or a forged or an altered bill or document attached to a letter of credit; (2) using an invalidated letter of credit; (3) obtaining a letter of credit by fraud; or (4) committing fraud in relation to a letter of credit by any other means. Article 196 Whoever commits credit card fraud in any of the following ways, if the amount involved is relatively large, shall be sentenced to fixed-term imprisonment of not more than 5 years or shortterm custody, with a fine of not less than 20,000 yuan but not more than 200,000 yuan. If the amount involved is large or there are other serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 5 years but not more than 10 years, with a fine of not less than RMB 50,000 yuan but not more than RMB 500,000 yuan. If the amount involved is especially large or there are other especially serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, with a fine of not less than 50,000 yuan but not more than 500,000 yuan or confiscation of property: (1) using a forged credit card, or using a credit card obtained with a false identity certification; (2) using an invalidated credit card; en.npc.gov.cn.cdurl.cn/2020-12/26/c_921604_10.htm 11/17