2004年起,新加坡人罗怀韬等在上海、苏州等地租用民房作为地下营业点,通过境内数家银行的几十个私人储蓄账户,开展非法买卖外汇业务。短短两年多时间,逃过国家监管非法汇兑金额高达53亿余元人民币。2007年8月6日,这起上海建国以来最大规模的涉外“地下钱庄”案由上海市第一中级人民法院作出一审判决,涉案人员受到了法律的严惩。那么,“地下钱庄”是如何形成的?涉案人员又是利用怎样的手段获取暴利的呢? Since 2004, Rohito Tao, a Singaporean, has rented private houses as underground business outlets in Shanghai and Suzhou, and has conducted illegal trading of foreign exchange through dozens of private savings accounts of several domestic banks. Just two years time, escaped the state regulatory illegal exchange amount of up to 5.3 billion yuan. On August 6, 2007, the largest foreign-related “underground bank” case since the founding of Shanghai was judged by the Shanghai No.1 Intermediate People’s Court and the people involved were severely punished by the law. So, “underground bank ” is how to form? What is involved in the use of personnel means to obtain huge profits?