CAJ | 학술논문

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。
수착아국국민소비이념화소비습관적개변，근년래신용잡발행량정정분식발전。연이아국적금융시장환불구성숙，감관체제환불구완선，도치신용잡투현활동루금불지，차수단번신、방법다양。재신용잡업무활동중，상업은행기분연착발잡행적각색，우분연착수단행적각색。인차，신용잡투현대상업은행영향거대。재응대신용잡투현풍험시，상업은행응당투현원두화투현종단쌍관제하，종신용잡화POS궤량방면하수，방공결합，방공병중。
With the development of our national consumption concept and consumption habits,the circulation of bank credit cards are expanding constantly in recent years. However, China's financial market is not mature enough, and the regulatory system is not perfect 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, they should start from both credit cards and POS machines. At the same time, they must combine the prevention and control of credit card cash and equally measure them.