信用卡套现及其治理思路之调整

近年来,信用卡非法套现呈现组织化趋向明显、越来越具有隐蔽性、案件数量急剧增加、套现的金额不断攀高的特征.信用卡非法套现活动具有多方面的社会危害性,它扰乱了正常金融秩序,影响宏观经济决策,造成了银行利益受损,放大了银行信贷风险,并且能够衍生其他违法犯罪.遏制和预防信用卡套现行为,没有刑罚这一手段不行,完全依赖这一手段也不行.要斩断伸向信用卡的黑手,应当合理调整持卡人、商户、发卡行和国家之间的利益,并最终通过让渡国家利益达到减少甚至避免信用卡非法套现的现象.

Credit Cards Encashment and Countermeasures Adjustment

In recent years,the illegal credit card encashment has characteristics as follows： organized trend turns obvious,more and more concealment,a sharp increase in the number of cases,and the cash amount is rising.The illegal credit card encashment activities has many aspects of social harm,it disrupts the normal financial order,has impact of macroeconomic policy,cause the banking interests lose,enlarge the credit risk of banks,and may derive other crimes.Containment and prevention of credit card arbitrage behavior need punishment,that will not do in this only means.To stop the crime should adjust interest among the cardholder,merchant,issuers and countries,and finally reduce or even avoid the illegal credit card encashment phenomenon through transformation of national interests.