滇缅贸易跨境人民币结算中非正规金融问题研究

Research on Informal Finance in Cross-border RMB Settlement of Yunnan-Myanmar Trade

非正规金融产生及发展源于法律制度不健全和正规金融不发达。在滇缅贸易跨境人民币结算中,非正规金融问题主要表现为地下钱庄问题。随着滇缅贸易投资额不断增长和非法资金跨境流动日益频繁,地下钱庄规模也越来越大。本文介绍了当前滇缅贸易及跨境人民币结算的整体情况和结算渠道,分析了地下钱庄的产生原因、影响与危害;针对地下钱庄所具有的双重性,提出了在目前情况下按照“疏堵并举、分类施策”的工作思路,积极采取有效措施妥善解决地下钱庄问题,全力维护滇缅贸易长期健康稳定发展。

The emergence and development of informal finance stems from the imperfect legal system and the underdevelopment of formal finance.In the cross-border RMB settlement of Yunnan Myanmar trade,the problem of informal finance is mainly manifested in the problem of underground banks.With the continuous growth of YunnanMyanmar trade volume and the increasingly frequent cross-border flow of illegal funds,the scale of underground banks has also become larger and larger.This article introduces the overall situation and settlement channels of the current Yunnan-Myanmar trade and cross-border RMB settlement,and analyzes the causes,impacts and harms of underground banks.Aiming at the duality of underground banks,this article puts forward the working ideas of“simultaneous removal of blockages and implementation of classified policies”under the current circumstances,and actively take effective measures to properly solve the problems of underground banks,and spare no effort to maintain the long-term healthy and stable development of the Yunnan-Myanmar trade.