中文：

“小金库”是指企业或单位在正常经营外，以各种名目或手段将资金存储在非正规渠道中，这些资金通常用于非法或不正当的活动。

“小金库”的存在往往与腐败问题密切相关。一些官员或企业高管利用职权或企业的资源，通过虚报开支、虚假发票、私自挪用等方式，将一部分资金转移到非正规渠道，形成自己的“小金库”。他们将资金用于个人消费、非法投资或贿赂等行为，给企业或单位的正常经营带来极大的风险和损失。

在治理“小金库”方面，政府和企业需要加强财务管理和监督机制，完善法律法规，严格执法，加强宣传教育，提高公众的认识和警惕性。只有通过全社会的共同努力，才能消除“小金库”这一社会毒瘤。

英文：

"Private piggy bank" refers to funds stored in unofficial channels outside of normal business operations by companies or units, using various pretexts or means. These funds are usually used for illegal or improper activities.

The existence of "private piggy banks" is often closely related to corruption issues. Some officials or corporate executives use their authority or the resources of enterprises to transfer a part of the funds to unofficial channels through false expenses, false invoices, private use, etc., forming their own "private piggy banks." They use the funds for personal consumption, illegal investment, or bribery, posing great risks and losses to the normal business operations of enterprises or units.

In terms of governing "private piggy banks", the government and enterprises need to strengthen financial management and supervision mechanisms, improve laws and regulations, strictly enforce laws, strengthen education and publicity, and increase public awareness and vigilance. Only through the joint efforts of the whole society can "private piggy banks"—this social problem—be eliminated.