[1]张慧超 武 鹏.从信用卡套现现象看商业银行的风险防控[J].大众科技,2014,16(11):253-255.
　Credit card cash phenomenon analysis and risk control of commercial[J].Popular Science & Technology,2014,16(11):253-255.
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从信用卡套现现象看商业银行的风险防控()
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《大众科技》[ISSN:1008-1151/CN:45-1235/N]

卷:
第16卷
期数:
2014年11期
页码:
253-255
栏目:
社会科学研究
出版日期:
2015-01-01

文章信息/Info

Title:
Credit card cash phenomenon analysis and risk control of commercial
文章编号:
1008-1151(2014)11-0253-03
作者:
张慧超1 武 鹏2
1.中国工商银行大同矿务局支行，山西 大同 037004；2.中石化大同分公司，山西 大同 037004
关键词:
信用卡套现; 商业银行; 风险防控
Keywords:
Credit card cash;  commercial banks;  impact prevention and control
文献标志码:
A
摘要:
随着我国国民消费理念和消费习惯的改变，近年来信用卡发行量呈井喷式发展。然而我国的金融市场还不够成熟，监管体制还不够完善，导致信用卡套现活动屡禁不止，且手段翻新、方法多样。在信用卡业务活动中，商业银行既扮演着发卡行的角色，又扮演着收单行的角色。因此，信用卡套现对商业银行影响巨大。在应对信用卡套现风险时，商业银行应当套现源头和套现终端双管齐下，从信用卡和POS 机两方面下手，防控结合，防控并重。
Abstract:
With the development of our national consumption concept and consumption habits，the circulation of bank credit cardsare expanding constantly in recent years. However, China’s financial market is not mature enough, and the regulatory system is notperfect enough. So the credit card cash has been done in more ways and to be difficult to stop. In the credit card business activities,commercial banks play a role in both the issuer and the acquirer. Therefore, credit card cash has a great influence on commercial banks.In response to the risk of credit card cash, commercial banks should pay equal attention to cash source and cash terminal. Further, theyshould start from both credit cards and POS machines. At the same time, they must combine the prevention and control of credit cardcash and equally measure them.

参考文献/References:

[1] 中国银行业监督管理委员会.商业银行信用卡业务监督管理办法[EB/OL]. http://www.cbrc.gov.cn/ index. html.,2011-01-13.[2] 中国人民银行.2014 年第二季度支付体系运行总体情[EB/OL].http://www.pbc.gov.cn/publish/goutongjiaoliu/524/2014/20140818094854774409369/20140818094854774409369_.html,2014-08-18.[3] 孟凡霞. 信用卡套现灰色通道大曝光[N].理财周刊,2014-07-21.[4] 最高人民法院、最高人民检察院.最高人民法院、最高人民检察院关于办理妨害信用卡管理刑事案件具体应用法律若干问题的解释[EB/OL].www.court.gov.cn.,2010-01-29.[5] 南方财富网. 信用卡套现识别方法查询[EB/OL].http://www.southmoney.com/yinhang/xinyongka/taoxian/201406/101252.html,2014-06-04.

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备注/Memo

备注/Memo:
【收稿日期】2014-10-12【作者简介】张慧超（1990－），男，山西大同人，中国工商银行大同矿务局支行对公业务客户经理；武鹏（1986－），男，山西大同人，中石化大同分公司营业室主任。
更新日期/Last Update: 2016-12-20