大额现金交易问题及其对策研究  

On the Large Cash Transaction and the Countermeasure

作　　者：中国人民银行海口中心支行课题组 黄礼健[2] 韩芳[1] 朱米均[1] 

机构地区：[1]中国人民银行海口中心支行,海南海口 570105 [2]中国人民银行金融研究所

出　　处：《金融研究》2011年第4期187-196,共10页Journal of Financial Research

摘　　要：当前现金管理中的一个突出问题是随着金融电子化快速发展,大额现金交易反而出现显著增长,这不仅导致社会成本支出的大量增加,而且给一些违法犯罪活动提供便利条件,因此迫切需要加强大额现金交易的监督和管理。本文从灰色经济学理论出发,通过实际调查客观分析大额现金交易问题的主要原因,在此基础上借鉴国际经验和国内银行经验,分析设计多种大额现金管理措施,并通过利用群决策方法对大额现金交易原因的重要性和大额现金管理措施的有效性进行比较评价,提出明确的政策取向和具体的政策建议,从而为进一步加强大额现金管理提供决策依据。With the rapid development of computerization of financial service, currently, one of the prominent issues of cash management is the significant growth of large cash transactions. Which is not only led to a substantial increase in social costs, but also to facilitate some criminal activities. Therefore, it is an urgent task to strengthen the supervision and management of large cash transactions. According to the grey economics, and based on the investigation and experience from international and domestic banking experience, the paper empirically analyzes the main reasons of the issue and thus designs of a variety of large cash management measures. Finally, the paper also comparatively evaluates of the importance and the effectiveness of measures for the large cash management through the method of group decision-making, and some practical policy suggestions are proposed.

关 键 词：大额现金管理 反洗钱 灰色经济学 

分 类 号：F832.2[经济管理—金融学]