改革开放以来,我国的金融犯罪案件呈迅猛增长之势,犯罪数额大,涉及面广,作案手段多样,作案方式较为隐蔽,危害性大。我国金融犯罪发案率上升的原因是多方面的,主要可归结为以下几点:1.适应市场经济体制的金融体系正在完善中,银行的商业化改革还没有完成,利率也未市场化,许多金融市场都正在建设中。与西方金融体系渐进式发展过程不同,我国的金融市场是由政府推动建设的,还存在许多制度上的漏洞和不完善之 Since the reform and opening up, the number of financial crime cases in our country has been on the upswing. There are a large amount of crimes involving a wide range of crimes and diversified means of committing crimes. The ways of committing crimes are more subtle and harmful. There are many reasons for the rise in the incidence of financial crimes in our country, which can be mainly attributed to the following points: 1. The financial system that is adapted to the market economy system is being improved. The commercial reform of the banks has not yet been completed and the interest rates have not been marketized. Many financial markets are under construction. Different from the gradual development of western financial system, China’s financial market is driven by the government, and there are still many institutional loopholes and imperfections