摘要
我国信用卡业务经过十几年的发展,取得了很大的成就,但是信用卡套现问题却越来越严重。信用卡套现行为出现的主要原因在于:银行的考核激励机制不完善和过时的商业模式,以及利率市场化不足造成社会融资成本过高。对信用卡套现问题,应采取"疏""堵"结合、以"疏"为主的策略,并从银行业务创新、强化外包机构责任、规范银行自身行为、加快推进利率市场化改革等方面着手,从根本上防范和制止信用卡套现行为。
Great achievements have been made through ten years of development of China＇ s credit card business, but credit card cash-out problems are getting more and more serious. The main causes for credit card cash-out behavior lie in the imperfect bank assessment incentive mechanism and the outdated business models as well as too high social fi- nancing costs resulting from not enough interest rate liberalization . It＇ s necessary for solving credit card cash-out problems to combine ＂dredging＂ with ＂blocking＂, take ＂dredging-led＂ strategy, and commence from innovating banking business, strengthening the responsibility of the outsourcing mechanism, normalizing the bank＇ s own behavior, accelera- ting interest rate liberalization, etc. so as to fundamentally prevent and stop credit card cash-out.
出处
《征信》
2016年第6期67-70,共4页
Credit Reference
基金
国家社科基金项目(13BJL044)
河南省科技厅软科学项目(162400410156)
关键词
信用卡套现
银行业务创新
规范管理
credit card
credit card cash-out
bank business innovation
standard management
