票据具有流通性,而票据转让是其流通性的外在体现。票据转让是指票据的持票人以背书或仅凭交付的方式将票据权利转让与他人的法律行为。实务中持票人以商业汇票贴现必须办理票据转让,另外人们也可以通过票据转让办理支付结算。票据转让具有结算环节少、简便、迅速等优点,同时也提高了票据的使用效率。然而笔者在受理转让的票据时发现由于人们缺乏必要的知识,票据转让行为不规范,票据转让无效的现象经常发生。票据转让的优点不但没有得到发挥,而且还带来了很多麻烦,票据不能及时入帐,严重的影响了票据的信誉。笔者根据《票据法》、《票据管理实施办法》、《支付结算办法》就如 Negotiable instruments have liquidity, and negotiable instruments transfer is the external manifestation of its liquidity. Notes transfer refers to the notes of the notes by endorsement or delivery by way of the right to negotiate the transfer of legal acts with others. In practice, the bearer to the commercial bill discount must handle the transfer of bills, while others can also be paid by the bill transfer settlement. Bill transfer has the advantages of less settlement, simple, rapid, but also improve the efficiency of the use of bills. However, when I accept the transfer of notes found that because people lack the necessary knowledge, non-standard transfer of notes, notes invalid transfer phenomenon often occurs. Not only has the merit of negotiable instruments been not given play, but it has also brought a lot of troubles. The negotiable instruments can not be accounted for in a timely manner, seriously affecting the credibility of the instruments. The author based on the “Notes Law”, “Notes Management Implementation Measures”, “payment and settlement approach” as