中期票据（英文：Medium term note，缩写：MTN或者MTNs），是在银行间债券市场按计划分期发行的，约定在一定期限内还本付息的债务融资工具。因其期限长于商业票据，而短于一般企业债券而得名。中期票据出现于1970年代初，1980年代后在金融创新浪潮高涨和市场管制逐渐放松的双重因素作用下，获得巨大发展。

中期票据的最大特点在于发行人和投资者可以自由协商确定有关发行条款。它被广泛认为可以用来填补商业票据和长期贷款之间的断档，并能够成为5年以下中期贷款的替代品。企业利用中期票据融资，不仅弥补短期流动资金的不足，也可以满足中期资金的需求，如收购企业、设备投资。

A medium-term note (MTN) is a debt note that usually matures (is paid back) in 5–10 years, but the term may be less than one year or as long as 100 years. They can be issued on a fixed or floating coupon basis. Floating rate medium-term notes can be as simple as paying the holder a coupon linked to Euribor +/- basis points or can be more complex structured notes linked, for example, to swap rates, treasuries, indices, etc. When they are issued to investors outside the US, they are called "Euro Medium Term Notes". Issuance of MTNs to investors based in the US requires a separate US MTN program.