论信用卡套现行为的法律防范

发布时间：2018-06-19 03:01

本文选题：信用卡 + 套现　；参考：《云南大学》2015年硕士论文

【摘要】：根据央行公布的《2015年第一季度支付体系运行总体情况》数据显示,截至2015年一季度,全国信用卡在用发卡数量4.24亿张。央行公布的《2014年支付体系运行总体情况》中显示,北京、上海人均持卡量已经达到1.70张和1.33张。上述数据实际证明信用卡的普及已经形成规模,信用卡已成为我国推进社会诚信体系建设的重要环节,但信用卡违约事件却出现激增的态势。2013年全国银行业发生所谓“钱荒”,多家大型国有银行参与到同业拆借等“借钱”行为当中。社会游资、互联网金融P2P平台及民间借贷大行其道。其中信用卡违约行为中的“套现行为”成为了民间融资的重要资金来源,诱发了大量违约风险事件的发生。本文以对比方式进行研究,以美国为比较对象,通过比对我国信用卡套现违约风险的法律规范手段,找出适合当前我国信用卡市场的法律规范途径,管控信用卡套现违约行为。
[Abstract]:As of the first quarter of 2015, 424 million credit cards were in use nationwide, according to data released by the central bank on the overall operation of the payment system for the first quarter of 2015. Beijing and Shanghai already hold 1.70 Zhang He 1.33 cards per capita, according to the central bank's General operating system for 2014. The above data actually prove that the popularity of credit cards has formed a scale, and credit cards have become an important link in promoting the construction of social integrity system in our country, but the number of credit card defaults has increased sharply. In 2013, there was a so-called "money shortage" in the banking industry across the country. A number of large state-owned banks participate in interbank lending and other "borrowing" behavior. Social hot money, internet financial P2P platform and private lending popular. Among them, the "cash behavior" in the default of credit card has become an important source of private financing, which induces a large number of default risk events. This paper takes the United States as the comparative object, by comparing the legal and normative means of credit card default risk in our country, finds out the legal and normative approach suitable for the current credit card market in our country, and controls the default behavior of credit card cash.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D924.3

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