网络信用套现行为的定性——以“蚂蚁花呗”套现第一案为视角

Qualitative Analysis on Illegal Cash-out from the Online Credit Products—From the First Case of Illegal Cash-out from Ant Check Later

在当今的网络消费中,"蚂蚁花呗"作为一种新的支付方式逐渐走进人们的视野。"蚂蚁花呗"的本质是一种新兴的网络消费信贷产品,为网络信用套现行为提供了机会。网络信用套现行为属于非法从事资金支付结算业务的非法经营行为,危害了社会主义市场经济秩序,情节严重时应当用刑法加以规制。

As a new payment in today＇s online shopping, Ant Check Later comes into people＇s life.Essentially, it is a newly upsurging online credit product which produces a chance for illegal cash-out. Thecash-out from online credit products belongs to an illegal business involving in the illegal payment andsettlement. It is harmful to socialist market economy order and should be regulated by the criminal law for asevere violation.