从“破一片”到“治全局”！北京全链条打击地下钱庄犯罪

Core Viewpoint - The 20th Central Committee of the Communist Party of China emphasizes the need to accelerate the construction of a financial power, focusing on enriching risk disposal resources and methods, and establishing a risk prevention and resolution system to ensure the stable operation of finance and contribute to high-quality financial development through legal supervision [1]. Group 1: Financial Crime and Regulatory Actions - The Beijing Municipal People's Procuratorate has been actively addressing illegal activities related to underground banks, with over 60 cases handled from 2024 to September 2025, providing a solid judicial guarantee for financial security in the capital [3]. - Underground banks are defined as illegal organizations engaging in financial activities such as payment settlement and foreign exchange trading without approval from regulatory authorities, which disrupts national financial management [3]. - A specific case involved a cross-border underground bank network established by a group that facilitated illegal currency exchange between mainland China and Macau, with transactions exceeding 100 million yuan within ten months [4][6]. Group 2: Virtual Currency and Financial Regulations - A case involving the use of virtual currency for illegal foreign exchange trading was highlighted, where a group used Tether to circumvent foreign exchange regulations, resulting in significant penalties for the involved parties [8][10]. - The investigation revealed that the group utilized multiple bank accounts and complex transaction patterns to obscure the flow of funds, with total illegal transactions exceeding 2 billion yuan [6][9]. Group 3: Cross-Border E-commerce and Financial Misconduct - The rise of cross-border e-commerce has led to some individuals exploiting regulatory loopholes to facilitate illegal fund transfers, as seen in a case where a group registered multiple companies to disguise their illegal activities [12][14]. - The investigation into this case uncovered the purchase of personal information to facilitate fraudulent transactions, leading to multiple arrests and convictions [14][15]. Group 4: Collaborative Governance and Technological Integration - The Beijing Municipal People's Procuratorate has recognized the need for collaborative governance in combating financial crimes, establishing partnerships with various regulatory bodies to enhance information sharing and case handling [17]. - A data-driven legal supervision model for combating underground banks has been developed, resulting in over 30 criminal cases initiated through its application [17][18].