Ofcourse , they pay better because they earn more . most of the money thesebanks lend is for risky investments . as much as 90 % of it is used forspeculative trades in financial markets 当然，他们能给更高的利息，原因在于他们赚的更多。这些地下钱庄大部分的资金借贷给高风险的投资。其中90 %被用于金融市场上的投机。
Meanwhile , though the small and medium - sized enterprises play very important roles in chinese economy , it is very difficult to secure financing them , which leads to many illegal underground financial activities even if forbidden 同时，对工业增加值贡献率达67的中小企业却面临着严重的融资瓶颈，导致“地下钱庄”等非正规金融频频抬头。在这样的形势下，金融业的制度创新已势在必行。
The following chapter analyzes the basic method of establishing the supervision system on folk credit . nowadays , the founding of the specific system is in the background of financial globalization . the direction of the development of finance in the world is under the way of de - regulation over strengthening financial regulation , which is also the way of establishing the supervision system on folk credit 主要目的是对在体外运行的资金进行一个比较准确的调查和掌握,以便今后作宏观决策;还有一个目的是防止地下钱庄的滋生泛滥,扰乱金融秩序;并且对正当的民间借贷的融资行为要加强监管,正确引导,以适应市场化的要求,各地基层金融监管部门要做到心中有数。
Therefore , according to the reality of our country , the first part of the paper ( including chapter 1 , 2 and 3 ) reviews the present conditions of anti - money laundering from international and domestic angles at the beginning ; then analyzes the necessity and urgency of anti - money laundering ; at last stresses on studying the typical money laundering channel - financial system and underground private bank 本文第一部分(包括第一、第二、第三章)在对国内国际的反洗钱现状进行回顾,对当前反洗钱的必要性、迫切性进行分析以后,着重研究了典型的“洗钱”通道? ?金融系统和地下钱庄。
