信用卡套现现象的透视与治理对策

A Probe into Cash Extraction with Credit Cards and Relevant Countermeasures

目前,我国信用卡套现问题较突出。套现的主要途径是持卡人在关系商户或套现中介的POS机上刷卡套现。信用卡套现使得套现者、发卡行、收单机构等各市场主体承受着信用风险、欺诈风险、法律风险,扰乱了金融秩序,阻碍了信用卡产业的健康发展。而其直接原因是发卡行之间、收单机构之间的无序竞争所导致的信用卡发卡市场和银行卡收单业务市场的混乱。对此,应积极拓宽融资渠道,加强对商业银行信用卡业务的监管,严格界定收单机构的责任,加快相关立法进程,完善法律法规。

At present, the problem of credit card arbitrage cash is highlighted. Swiping at the POS machines of the relationship stores or professional intermediary stores is the card holders＇ main arbitrage approach. The existing of credit card arbitrage cash makes arbitrage persons, card issuers, card acceptors and other market players suffer from credit risk, fraud risk, legal risk, and disrupts the financial order, prohibits the healthy development of credit card industry. The problem of credit card arbitrage cash is caused by the chaos in the credit card issuing market and the bankcard accepting business market, which results from issuing banks and card acceptor disorderly competing. In this regard, we should aetively widen financing channels, strengthen supervision of commercial banks ＇credit card business and strictly define the responsibility of card aeceptor, speed up the process of relevant legislation to perfect laws and regulations.