我国商业银行信用卡套现风险防范与对策研究

我国商业银行信用卡套现风险防范及对策研究摘要近年来，商业银行的信用卡业务飞速发展，信用卡作为一个兼具信贷与支付功能的信用型支付工具，因其自身具有的便捷性、高效性等特点受到了很多人的青睐，日益成为人们生活中重要的支付工具之一。然而信用卡套现行为始终如影随形，并愈演愈烈。当前，我国的信用卡套现产业化发展速度较快，套现规模不断扩大，当信用卡套现规模化达到一定程度时，其潜在的危险和危害就会逐渐显现出来。利用信用卡进行套现，对我国的金融体系造成了很大的影响，对社会诚信体系和司法体系的建设都是不利的。加强对信用卡使用的监管，依法对其进行严厉打击，刻不容缓。文章研究信用卡套现交易相关行为，通过信用卡套现定义、信用卡套现的主要方式、信用卡套现的规模及群体特征等方面的具体研究，从不同的角度去分析信用卡套现的不良影响，得出了信用卡套现存在法律体系不完善、支付受理终端市场管理不到位、中小企业贷款难导致信用卡套现仍有较大市场、影响商业银行的经营发展、破坏社会信用环境的问题，并针对这些问题提出了要完善法律体系、加强市场监管、优化金融服务、加强信用卡准入管理、推进社会诚信体系建设等相对应的对策建议。关键词：信用卡；套现；金融风险Countermeasures and Research on the Risk Prevention of CreditCard Cash Out in China's Commercial BanksAbstractIn recent years,the credit card business of commercial banks has developed rapidly.As a credit payment tool with both credit and payment functions,credit card has beenfavored by many people because of its own convenience and efficiency,and has becomeone of the important payment tools in people's life.However,the credit card cash arbitragebehavior has always been as follows,and is becoming more and more intense.At present,the industrialization of credit card cash arbitrage is accelerating and the cash arbitragedevelops in a large scale.When the cash arbitrage of credit card forms a certain scale,itspotential risks and hazards will gradually appear.The behavior of credit card cash arbitrageseriously harms the stability of our financial system,and is not conducive to theconstruction of social credit system and judicial system.It is urgent to strictly regulate theuse of credit card and crack down on the cash arbitrage of credit card in accordance withlaw.This paper studies the relevant behaviors of credit card cash out transaction.Throughthe specific research on the definition of credit card cash out,the main methods of creditcard cash out,the scale and group characteristics of credit card cash out,this paperanalyzes the adverse effects of credit card cash out from different angles,and comes to theconclusion that there is still a large market for credit card cash out due to the imperfectlegal system,the inadequate management of payment acceptance terminal market and thedifficulty of loans for small and medium-sized enterprises The problems that affect theoperation and development of commercial banks and destroy the social credit environment,and in view of these problems,this paper puts forward corresponding countermeasures andsuggestions,such as perfecting the legal system,strengthening market supervision,optimizing financial services,strengthening credit card access management,and promotingthe construction of social credit system.Key Words:Credit Card;Cash out;Financial Risk目录摘要.Abstract ........................II一、绪论…1(一)研究背景...(二)研究意义.·…(三)研究内容及方法1.文献研究法2.描述性研究法...(四)创新之处...2二、理论基础与研究综述....·3(一)理论基础...3(二)国内外关于信用卡套现的文献综述.31.国外研究综述.......32.国内研究综述.…三、我国商业银行信用卡套现现状.....6(一)我国信用卡套现目前的规模.·….6(二)我国信用卡套现目前使用的主要方式...7(三)我国信用卡套现的群体特征分析.8四、信用卡套现防范存在的问题.·10(一)法律体系不完善....·……10(二)线下市场管理不到位...10(三)信用卡套现仍有较大市场..11(四)商业银行缺乏管控手段..11(五)社会信用环境遭到破坏....……12五、防范