本文選題：信用卡 + 套現(xiàn)��； 參考：《云南大學(xué)》2015年碩士論文

【摘要】：根據(jù)央行公布的《2015年第一季度支付體系運行總體情況》數(shù)據(jù)顯示,截至2015年一季度,全國信用卡在用發(fā)卡數(shù)量4.24億張。央行公布的《2014年支付體系運行總體情況》中顯示,北京、上海人均持卡量已經(jīng)達到1.70張和1.33張。上述數(shù)據(jù)實際證明信用卡的普及已經(jīng)形成規(guī)模,信用卡已成為我國推進社會誠信體系建設(shè)的重要環(huán)節(jié),但信用卡違約事件卻出現(xiàn)激增的態(tài)勢。2013年全國銀行業(yè)發(fā)生所謂“錢荒”,多家大型國有銀行參與到同業(yè)拆借等“借錢”行為當中。社會游資、互聯(lián)網(wǎng)金融P2P平臺及民間借貸大行其道。其中信用卡違約行為中的“套現(xiàn)行為”成為了民間融資的重要資金來源,誘發(fā)了大量違約風(fēng)險事件的發(fā)生。本文以對比方式進行研究,以美國為比較對象,通過比對我國信用卡套現(xiàn)違約風(fēng)險的法律規(guī)范手段,找出適合當前我國信用卡市場的法律規(guī)范途徑,管控信用卡套現(xiàn)違約行為。
[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.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D924.3

【參考文獻】

相關(guān)期刊論文 前1條

1 關(guān)麗智;;從信用卡套現(xiàn)風(fēng)波看銀行風(fēng)險管理[J];時代金融;2014年09期

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本文編號：2038088