我国商业银行信用卡套现风险防范及对策研究CountermeasuresandResearchontheRiskPreventionofCreditCardCashOutinChina'sCommercialBanks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CountermeasuresandResearchontheRiskPreventionofCreditCardCashOutinChina'sCommercialBanksAbstractInrecentyears,thecreditcardbusinessofcommercialbankshasdevelopedrapidly.Asacreditpaymenttoolwithbothcreditandpaymentfunctions,creditcardhasbeenfavoredbymanypeoplebecauseofitsownconvenienceandefficiency,andhasbecomeoneoftheimportantpaymenttoolsinpeople'slife.However,thecreditcardcasharbitragebehaviorhasalwaysbeenasfollows,andisbecomingmoreandmoreintense.Atpresent,theindustrializationofcreditcardcasharbitrageisacceleratingandthecasharbitragedevelopsinalargescale.Whenthecasharbitrageofcreditcardformsacertainscale,itspotentialrisksandhazardswillgraduallyappear.Thebehaviorofcreditcardcasharbitrageseriouslyharmsthestabilityofourfinancialsystem,andisnotconducivetotheconstructionofsocialcreditsystemandjudicialsystem.Itisurgenttostrictlyregulatetheuseofcreditcardandcrackdownonthecasharbitrageofcreditcardinaccordancewithlaw.Thispaperstudiestherelevantbehaviorsofcreditcardcashouttransaction.Throughthespecificresearchonthedefinitionofcreditcardcashout,themainmethodsofcreditcardcashout,thescaleandgroupcharacteristicsofcreditcardcashout,thispaperanalyzestheadverseeffectsofcreditcardcashoutfromdifferentangles,andcomestotheconclusionthatthereisstillalargemarketforcreditcardcashoutduetotheimperfectlegalsystem,theinadequatemanagementofpaymentacceptanceterminalmarketandthedifficultyofloansforsmallandmedium-sizedenterprisesTheproblemsthataffecttheoperationanddevelopmentofcommercialbanksanddestroythesocialcreditenvironment,andinviewoftheseproblems,thispaperputsforwardcorrespondingcountermeasuresandsuggestions,suchasperfectingthelegalsystem,strengtheningmarketsupervision,optimizingfinancialservices,strengtheningcreditcardaccessmanagement,andpromotingtheconstructionofsocialcreditsystem.KeyWords:CreditCard;Cashout;FinancialRisk目录摘要............................................................IAbstract...........................................................II一、绪论............................................................1（一）研究背景..................................................1（二）研究意义..................................................1（三）研究内容及方法...........................................
