地下钱庄的成因及防治对策

地下钱庄属于非法金融机构,主要分布在我国东南沿海地区。地下钱庄的存在有其现实的客观基础,其独特的营运方式使其有足够的生存空间。对地下钱庄的治理,必须按照“疏堵结合,打防并举”的方针,一方面要加强金融改革与创新,积极疏导民间金融,打压地下钱庄存在的业务、利润空间;另一方面要将打击地下钱庄纳入反洗钱体系,强化侦查破案,加大打击力度。

The Causes and Countermeasures of Underground Bank

Underground banks are illegal financial institutions and located mainly along the southeast coastal areas..There are practical basis for theirs existence and enough existing space by their special functioning patterns.To administer to this problem,we should follow the guideline of combining stopping with guiding,cracking down with preventing,we should on one hand strengthen the financial system reform and innovation,positively guide the civil finance and squeeze the professional space of the underground banks,and on the other hand include the cracking down of underground banks into the anti-money laundry system and strengthen the investigation and cracking down illegal cases.