摘要
非法套现现象广泛存在,是因为套现不仅可以为持卡人提供大量的现金,同时避免向银行缴纳手续费和利息,而且中介机构从中获取了大量的利润。但套现对银行乃至金融业带来的风险和危害也是显而易见的。由于我国信用卡业务刚刚起步,征信体系尚不健全,相应法律法规还不完善,信息通讯技术有待发展等具体国情,使我国不可能像外国一样认可信用卡套现是合法的行为。
The reason why illegal cash out is widespread, is that not only credit card holders can provide a lot of cash, while avoiding to pay the bank fees and interest, but also intermediaries could obtain a large amount of profits. But the risks and hazards of cash out to banks as well as the financial indus- try are also obvious. Considering the factors in our country, such as credit card business in China has just started, while credit system is infirm, and the corresponding laws and regulations are not perfect, while information and communication technology still need to be improved, cash out of credit card can- not be recognized as a illegal conduct in China.
关键词
套现
非法
原因分析
cash out
illegal
reason analysis
