对中越边境“地摊银行”取缔难问题的分析

摘要

In the course of Vietnam-China border trade settlement, a small number of transactions are finalized through legal banking system, in stark contrast to the prosperous ＂the stall bank＂ trade, which is overwhelmingly embraced by many cross-border businessmen. As a result, ＂the stall bank＂ in Vietnam-China border area is growing at a faster pace and showing a greater size in terms of trading volume and service coverage. This article gives a brief view on the history of cross-border trade settlement. It then moves on to compare the legal framework distinction between China and Vietnam, and the operational difference between ＂the stall bank＂ and commercial banks. The comparative advantages of ＂the stall bank＂ and the reasons behind such phenomena are also discussed in the content. Finally, recommendations are made to improve the monitoring and controlling procedures by taking into account the strengths that ＂the stall bank＂ has.%在中越边境贸易结算中,通过正规银行渠道结算并没有占据主导地位,很多的边贸经营户倾向于通过＂地摊银行＂完成边贸结算。＂地摊银行＂的业务范围和规模也不断发展壮大。本文通过回顾边贸结算的发展历史,比较中越两国有关法律制度以及＂地摊银行＂与商业银行业务操作模式,阐述了＂地摊银行＂相对于正规商业银行的竞争优势,分析了＂地摊银行＂能够与正规商业银行竞争的原因,并基于此提出了限制和监管＂地摊银行＂经营的几点建议。