边境地区是缅甸诸多地方民族武装力量、缅军与缅政府的权力“角逐场”，同时边境贸易在缅甸的经济发展中占据重要地位。以货币兑换与汇款为主业的换钱点是缅甸边境地区常见的非正规金融形式。如何推进换钱点的正规化，成为缅政府加强边境管理和国家建设的一个难点。在“金三角之城”大其力换钱点的个案研究中，非正规金融业务是嵌入在大其力地方社会中的一个节点，串联起了国家、多种地方势力与普通民众，共建了边境地区合法贸易与非法贸易混杂的社会。在缅甸边境的情境中理解“合法”与“非法”，可以揭示其难以改变的深层社会原因，加深对缅甸边境复杂形势的认识。

Border trade plays an important role in Myanmar's economy, meanwhile the border area is the “arena” for contending powers among ethnic armed forces, Tatmadaw, and the NLD government. Money exchange and remittance shops are common informal financing forms in the border areas of Myanmar. How to promote the normalization of money exchange shops has been a difficult challenge to the Myanmar government in strengthening border management and state-building. In this case study of money exchange shops in Tachilek, “the City of Golden Triangle”, informal financial business is a node embedded in the local society of Tachilek and connects the state, various local authorities and ordinary people, and hence the border society with ambivalent illegal but licit trade networks has been build up. Through understanding “illegal” and “licit” in the context of Myanmar border, this paper reveals the underlying social cause of the difficulty to change informal financial forms, and deepens our understanding of the complicated situation on the Myanmar border.