基于支付视角的地下钱庄洗钱综合治理研究

Research on Comprehensive Treatment of Money Laundering by Underground Banks Based on the Perspective of Payment

从事非法资金支付结算业务和跨境资金交易的地下钱庄成为违法犯罪分子洗钱的替代通道。地下钱庄的本质是借助现代支付体系从事非法国内外支付结算业务,运作方式可分为跨境汇兑型、非法买卖外汇型和支付结算型。我国有关刑事立法为打击地下钱庄提供了法律依据,应加强跨部门间协同配合,始终保持对地下钱庄的高压打击态势,同时为企业和居民用汇提供更快捷方便的渠道,挤压地下钱庄生存空间,提高地下钱庄洗钱整治效果。

Underground banks engaged in illegal capital payment and settlement business and cross-border capital transactions have become an alternative channel for money laundering by criminals.The essence of an underground bank is to engage in illegal domestic and foreign payment and settlement businesses with the help of a modern payment system.The operating modes can be roughly divided into cross-border exchange,illegal foreign exchange purchase and payment settlement.Relevant criminal legislation in China provides a legal basis for cracking down on underground banks.It is necessary to strengthen inter-departmental coordination and maintain a high-pressure strike against underground banks all the time.At the same time,providing more efficient and convenient channels for enterprises and residents to use foreign exchange to squeeze underground bank's living space and improving the effectiveness of the underground bank's comprehensive management are imperative.