I摘 要近年来，随着电子商务的日益繁荣，人们的购买力逐渐增大，相应的结算支付手段不断创新，信用卡普遍率增大，信用卡套现的活动愈来愈频繁，套现的金额也愈来愈庞大，手段更是层出不穷，防不胜防。而信用卡套现这一行为是具有严重的社会危害性，造成多方面的风险。因此，重视信用卡套现所存在的风险及防控对策是及其重要。本文集中阐述了信用卡套现的概念及发展态势，围绕套现的主要形式、成因做了相应的分析，剖析了信用卡套现的所存在的风险，进而讨论防控非法套现风险的对策，就存在的风险提出了相应的防控对策。本论文是结合我国当前的经济形势与经济数据，通过学习参考相关的文献进行的专题分析。全文分四个部分：首先（第一部分），是对信用卡及信用卡套现的定义做了简单的阐述，并分析信用卡的发展态势。其次（第二部分），着重分析信用卡套现这个行为主要形式以及成因分析。然后（第三部分）是着重从银行方面，信贷方面，金融市场方面利益、持卡人利益及金融市场秩序等方面去分析信用卡套现这种行为所存在的风险。最后（第四部分），是针对我国信用卡套现的风险，从法律、金融、银行方面提出对信用卡套现防控的对策。本文重点主要体现在最后一部分，分析防控套现风险的对策。关键词：信用卡 套现 风险 防控对策 IIABSTRACTIn recent years, with the increasing prosperity of electronic commerce, people's purchasing power has gradually increased, corresponding settlement payment methods have continued to innovate, the credit card prevalence has increased, the activities of credit card cashing have become more and more frequent, and the amount of cash cashing has become more and more large. The means are endless and can not be prevented. And credit card cash is a serious social harm, resulting in multiple risks. Therefore, it is important to pay attention to the risks and control measures of credit card cash.This paper focuses on the concept and development of credit card cashing, analyzes the main forms and causes of cashing, analyzes the risks of credit card cashing, and discusses the countermeasures for preventing and co...
