汉英对照:
Chinese-English Translation:
支付宝套现，一种非法套现。利用信用卡支付货款购买东西，一般是找自己朋友，然后他把钱取出来后给你。实际上你又没有买他东西，只是假装确认收到了。 可以把信用卡的额度取完，不会收到取现比例的影响。一个空买，一个空卖，实际不发货而已。
Alipay cash in, a kind of illegal cash. To use credit card to pay for goods, we usually find our friends, and then they take out the money and give it to you. In fact, you didn’t buy anything from him, just pretended to confirm it. The credit card quota can be used up without the influence of cash withdrawal ratio. One is empty to buy and one is empty to sell. Actually, there is no delivery.
支付宝套现，一种非法套现。利用信用卡支付货款购买东西，一般是找自己朋友，然后他把钱取出来后给你。实际上你又没有买他东西，只是假装确认收到了。 可以把信用卡的额度取完，不会收到取现比例的影响。一个空买，一个空卖，实际不发货而已。
Alipay cash in, a kind of illegal cash. To use credit card to pay for goods, we usually find our friends, and then they take out the money and give it to you. In fact, you didn’t buy anything from him, just pretended to confirm it. The credit card quota can be used up without the influence of cash withdrawal ratio. One is empty to buy and one is empty to sell. Actually, there is no delivery.
实为虚拟买卖，找个朋友（要信得过的）他在网上发布一商品定价无所谓，然后你用信用卡去买他的，他“发货后”你付款（当然不是真的发货）你就把钱给你朋友了，然后到你朋友那去拿钱就行了。另一种比较隐蔽的方式是在购买物品后申请退款，支付宝退款是直接退到你支付宝账户上的而非退回信用卡，变相套现。而且这种方式虽然麻烦了点，但因为操作是绝对符合程序和规定的，不似前种涉嫌非法套现，这种方式即使知道你是这么做的但依然无法对你的行为进行规制。
It’s a virtual business. It doesn’t matter if you find a friend (trustworthy) who publishes a price for a product on the Internet, and then you buy him with a credit card. When he “ships” you pay (not the real delivery of course), you give the money to your friend, and then go to your friend to get the money. Another more subtle way is to apply for a refund after purchase of goods. Alipay refund is directly returned to your Alipay account instead of credit card, disguised cash. And although this way is a little troublesome, but because the operation is absolutely in line with the procedures and regulations, it is not like the former kind of suspected illegal cash out. This way, even if you know that you do this, still can not regulate your behavior.
从 2012 年 2 月 8 日开始，支付宝已经关闭信用卡向支付宝账户充值通道。现在仍可使用信用卡在淘宝、天猫进行购物，但是退款时，余额不再退到支付宝账户，而是直接退回信用卡。
Since February 8, 2012, Alipay has closed its credit card to Alipay account recharge channel. Credit cards are still available for shopping at Taobao and Tmall. However, when the refund is made, the balance will no longer be refunded to Alipay account, but will be returned directly to the credit card.
实际上至 2013 年 7 月 30 日，仍然可以用信用卡通过支付宝零成本取现，只是购物操作顺序稍有不同。另外，由于每家信用卡发卡行对网上支付交易额限制不同，每日能套取的现金额会有所不同，如果不电话开通临时大额网上支付，取现的金额将从 5000 元到 20000 元/天或更多不等。
As a matter of fact, in July 30, 2013, credit cards can still be used at Alipay zero cost, but the order of shopping is slightly different. In addition, because each credit card issuer has different restrictions on online payment transactions, the amount of cash that can be withdrawn every day will be different. If the temporary large amount online payment is not opened by phone, the amount of cash withdrawn will be from 5000 yuan to 20000 yuan / day or more.
媒体报道
media coverage
用信用卡取现金需要额外支付手续费和利息，不过有些人为了省去这些手续费和利息，通过使用支付宝网上虚假购物的方式，利用与支付宝挂钩的信用卡进行套现。这给银行的风险控制增加了难度。
Taking cash with credit cards requires extra handling fees and interest, but some people cash in to avoid these fees and interest by using Alipay online fake shopping and using Alipay linked credit cards. This makes the risk control of banks more difficult.
利用支付宝进行信用卡套现，就是通过虚假交易，使用信用卡支付后，再通过帐户转移到借记卡，然后从银行取出现金，整个过程没有真实的货物交易，也无需缴纳额外的费用。为了避免这样的情况，银行大多把信用卡单笔交易限额设定在 500 元左右，实际上，这样还是给利用创造了机会。
The use of Alipay for credit card cash is through the use of false transactions, credit card payment, and then transferred to the debit card through the account, and then withdraw cash from the bank, the whole process is no real transaction of goods, and no extra cost. In order to avoid such a situation, most banks set the limit of single transaction of credit card at about 500 yuan. In fact, this creates opportunities for utilization.
对于支付宝套现现象，银行方面很为难，因为支付宝网上交易量非常大，如果银行抛开支付宝的话，也可能使银行的业务量受到一定的影响。
For Alipay cash, the banking sector is very difficult because Alipay has a very large volume of transactions on the Internet. If banks abandon Alipay, they may also have a certain impact on the volume of banks’ business.
而支付宝方面表示，他们在防止套现上却有相应的措施，尤其在防止大笔套现方面它们都有特别的手段。
And Alipay said they had corresponding measures to prevent cash in cash, especially in preventing large cash flows.
支付宝(中国)网络技术有限公司公众与客户沟通部负责人陈亮：比如说这两个帐户在同一个 IP，一天之内出现了很多次登录，每个帐户之间的交易的金额每次都是 1000，每次都是 2000，出现了好多次这样的交易，我们可能认为这样的交易有可能有些异常。
Chen Liang, head of the public and customer communication department of Alipay (China) Network Technology Co., Ltd.: for example, the two accounts have been logged in many times in the same IP in the same day. The amount of transactions between each account is 1000 each time, 2000 each time. There are many transactions like this. We may think that such transactions may be abnormal.
虽然利用这种手段制止了大笔套现行为，但发生的一些小笔套现就很难监控了。专家认为，虽然支付宝套现只占到信用卡套现中的小部分，却增加了银行的风险控制难度。
Although using this method to stop large amount of cash arbitrage, some small amount of cash arbitrage is difficult to monitor. Experts believe that although Alipay cash only accounts for a small part of credit card cash, it increases the risk control of banks.
