汉英对照:
Chinese-English Translation:
套现，是一种经济术语，是指利用不同市场中同一种产品或是接近等同的产品价格之间的细微差别获利。
Arbitrage, an economic term, refers to the use of different markets in the same product or close to the same product price between the nuances of profit.
套现，是一种经济术语，是指利用不同市场中同一种产品或是接近等同的产品价格之间的细微差别获利。
Arbitrage, an economic term, refers to the use of different markets in the same product or close to the same product price between the nuances of profit.
非法套现一般是指用违法或虚假的手段交换取得现金利益。根据最高人民法院、最高人民检察院《关于妨害信用卡管理刑事案件具体应用法律若干问题的解释》，套现是指违反国家规定，使用销售点终端机具（POS 机）等方法，以虚构交易、虚开价格、现金退货等方式向信用卡持卡人直接支付现金。在中国银联的《银联卡收单机构商户风险管理规则》中对套现行为的定义是:商户与不良持卡人或其他第三方勾结，或商户自身以虚拟交易套取现金。
Illegal cash out generally refers to the exchange of cash benefits by illegal or false means. According to the interpretation of the Supreme People’s court and the Supreme People’s Procuratorate on some issues concerning the specific application of law in criminal cases hindering the management of credit cards, cash arbitrage refers to the direct payment of cash to credit card holders in the form of fictitious transaction, false opening of price, cash return, etc., in violation of national regulations, by means of POS machines and tools at the point of sale. In China UnionPay’s merchant risk management rules for UnionPay card acquirers, the definition of cash out behavior is: the merchant colludes with the bad cardholder or other third parties, or the merchant withdraws cash by virtual transaction.
主要问题
Main problems
套现根据所用的产品不同，分很多种，常见的有股市套现、房市套现和信用卡套现等。
According to the different products used, there are many kinds of cash arbitrage, such as stock market cash, housing market cash and credit card cash.
信用卡套现
Cash out by credit card
空卡套现
Empty card cash out
空卡套现其实也是一种使用信用卡套取现金的方法，下面简单介绍一下信用卡空卡套现。
Empty card cash arbitrage is also a method of cash arbitrage with credit card. Here is a brief introduction of empty card cash arbitrage with credit card.
常规的信用卡套现是指持卡人通过很多套现公司或其他机构将您的信用卡本身的信用卡额度内的金额全额刷卡刷出来，然后刷卡方当即给你现金，这种方法套现需要收取 1.5-3%不等的手续费。
The conventional cash out of credit card refers to that the cardholder swipes the full amount of your credit card through many cash out companies or other institutions, and then the swifter will give you cash immediately. This method of cash out requires a handling fee of 1.5-3%.
而空卡套现则是在您的信用卡信用额度用完的情况下从信用卡中套取现金，套取的金额可以是您的信用额度的数倍。这种套现完成起来相对比较困难，而且只有少数银行的信用卡可以空卡套现，而且手续费用也比较高，最高的达到 25%，低的也有 15%左右。通常是套现中介带你去苏宁电器或国美等一些商家购买电器，通过分期付款的方式刷卡买单。然后中介给你现金并收取手续费，至于买出来的商品，中介又会通过某些手段退回给商场。
Empty card cash arbitrage is to withdraw cash from your credit card when your credit line is used up. The amount of cash arbitrage can be several times of your credit line. This kind of cash arbitrage is relatively difficult to complete, and only a few banks’ credit cards can be cashed out empty, and the handling fee is relatively high, the highest is 25%, and the low is about 15%. It’s usually a cash out agency that takes you to Suning Electric appliance or Gome and other businesses to buy electric appliances and pay for them by swiping the card through installment payment. Then the agency will give you cash and charge you a commission. As for the purchased goods, the agency will return them to the mall by some means.
翻倍
Double
部分银行的信用卡有一个分期付款额度，消费可以分期付款，分期付款用的是信用卡的分期额度，对于信用卡内的可用额度不会减少，那么信用卡的持卡人就可以用这些银行的信用卡“消费两次”：先分期付款一次，将分期额度用完，然后直接一次性刷卡一次将信用卡额度内的可用额度消费完，这样就可以消费分期额度+信用卡额度内可用额度的金额了。然后利用上述的套现方式，就可以很容易套现出分期额度和信用卡卡内额度了，从而实现了信用卡翻倍套现！比如：某人的信用卡额度是一万元，分期额度是两万，那么它就可以去指定的商场买三万的东西出来，这样就实现了翻倍套现了！
The credit card of some banks has an installment limit. The consumption can be paid in installments. The installment limit of the credit card is used for the installment. The available limit in the credit card will not be reduced. Then the cardholder of the credit card can use the credit card of these banks to “consume twice”: pay in installments first, use up the installment limit, and then directly swipe the card once to send the letter Use the available quota in the card quota to consume, so that you can consume the amount of installment quota + the available quota in the credit card quota. Then using the above-mentioned cash out method, it is easy to cash out the installment limit and credit card limit, thus realizing the double cash out of credit card! For example, if someone’s credit card quota is 10000 yuan and the installment quota is 20000 yuan, then he can go to the designated shopping mall to buy 30000 things, so that he can double the cash out!
无论使用哪种方法进行信用卡套现都是银行严格禁止的。一旦被银行发现可能会导致您的信用卡冻结，甚至影响您的个人信用记录，所以在实施套现之前务必慎重考虑。
No matter which method is used to cash out the credit card, it is strictly prohibited by the bank. Once found by the bank, it may cause your credit card to freeze, or even affect your personal credit record, so you must carefully consider before cash out.
第三方支付
Third party payment
如今，日益壮大的第三方支付机构逐渐侵入银行卡收单市场，有数据显示，银行占收单市场交易量的 70%，第三方支付机构占 30%。作为收单市场的新晋力量，第三方支付机构必须抓紧时机扩大布放规模。然而，个别第三方支付在推广个人 POS 机时，为信用卡套现埋下了隐患。有读者向北京商报记者反映，一款移动 POS 机，可以用信用卡刷卡，将资金导入到借记卡中。持卡人只要缴纳 1%的刷卡手续费，就能将卡内资金轻而易举地“偷”出来。
Nowadays, the growing third-party payment institutions gradually invade the bank card market. According to some data, banks account for 70% of the transaction volume in the market, and the third-party payment institutions account for 30%. As a new force in the acquiring market, the third-party payment institutions must seize the opportunity to expand the distribution scale. However, some third-party payment in the promotion of personal POS machine, for the credit card cash under the hidden danger. Some readers reported to the reporter of Beijing Business Daily that a mobile POS machine can use credit card to swipe cards and import funds into debit cards. As long as the cardholder pays 1% of the service charge, he can easily “steal” the funds inside the card.
是否违法
Illegal or not
央行上海总部 2010 年 7 月 26 日表示，信用卡套现是违法行为，央行正在研究将持卡人套现行为记入个人征信系统，直接影响其个人信用记录。
The Shanghai head office of the people’s Bank of China said on July 26, 2010 that credit card arbitrage is illegal. The people’s Bank of China is studying to record the arbitrage of cardholders into the personal credit system, which directly affects their personal credit records.
方法
Method
信用卡套现行为的分类
Classification of cash out behavior of credit card
一是持卡人的个人行为，持卡人玩弄“他人消费刷自己的卡”的把戏，把别人购物的账刷进自己卡内以增加积分的方式，同时购物者再返还持卡人现金，这样对持卡人来说真可谓一举两得。因为许多银行在发行信用卡的同时都推出了增值服务，开展消费积分换礼品等活动，以刺激民众办卡和消费的热情。
One is the personal behavior of the cardholder. The cardholder plays the trick of “others consume and swipe their own cards”, swiping the other’s shopping account into his own card to increase points, and at the same time, the shopper returns the cardholder’s cash, which is really a double kill for the cardholder. Because many banks have launched value-added services at the same time of issuing credit cards, and carried out activities such as exchanging consumption points for gifts to stimulate the enthusiasm of the people in handling cards and consuming.
二是持卡人与商家或某些“贷款公司”、“中介公司”合作，持卡人通过付给商家手续费来获取套现。一般是利用商家的 POS 机进行虚假交易，将信用卡上的金额划走，商家或“贷款公司”、“中介公司”则当场付现(付给持卡人现金)，持卡人付给商家的手续费又低于银行。
Second, the cardholder cooperates with the merchant or some “loan companies” and “intermediary companies”, and the cardholder obtains cash withdrawal by paying the merchant handling fee. Generally, it uses the POS machine of the merchant to make false transactions and transfer the amount on the credit card. The merchant or “loan company” and “intermediary company” pay cash on the spot (pay cash to the cardholder), and the handling fee paid by the cardholder to the merchant is lower than that of the bank.
三是持卡人利用一些网站或公司的服务而取得套现，如，借助“支付宝”或中国移动的“网上购买充值卡”的服务进行套现。
Three, cardholders make use of some websites or companies’ services to cash in, such as cash in the service of “Alipay” or China Mobile’s “online purchase prepaid card”.
四是小额免手续费套现，方法是在某些商场或其他可以刷卡消费的地方，持卡人结账时使用现金付清，而收银员会先收现金待客人走后用自己的信用卡刷出对应的消费，从而达到小额套现的目的。
Fourth, small amount of cashing free of handling fees, the method is in some shopping malls or other places where the card can be used for consumption, the cardholder will use cash to pay off when settling the account, and the cashier will first receive the cash to wait for the guest to leave and then use his own credit card to brush out the corresponding consumption, so as to achieve the purpose of small amount cashing.
如,客人消费 2000 元并付了现金 2000，在客人不知情的情况下，收银员用自己的信用卡刷出 2000 元消费，只要在信用额度内，可以无限次循环套现并无任何手续费。
For example, the customer consumes 2000 yuan and pays 2000 yuan in cash. Without the customer’s knowledge, the cashier swipes 2000 yuan out of his / her credit card for consumption. As long as it is within the credit limit, there is no handling fee for unlimited circulation cash.
总结：银行卡套现正在受到社会各界的广泛关注。然而在银监会发布关于信用卡套现活跃风险提示通知一个月后，信用卡套现依旧疯狂。走在街头，信用卡套现的宣传已经突破了过往的“牛皮癣”广告，堂而皇之地挂在了某些书报摊上。幸运地是，2009 年 6 月 30 日，在“中国金融论坛：推进银行卡产业科学发展”上了解到，信用卡套现以及其他银行卡犯罪行为的界定很快将有法可依。
Conclusion: cash arbitrage of bank card is widely concerned by all walks of life. However, one month after the CBRC issued the notice on active risk of credit card arbitrage, the credit card arbitrage is still crazy. Walking on the street, the publicity of credit card cash out has broken through the past “psoriasis” advertisements, which have been put on some bookstores. Fortunately, on June 30, 2009, in the “China Financial Forum: promoting the scientific development of the bank card industry”, we learned that the definition of credit card cash out and other bank card crimes will soon have a legal basis.
差别
difference
套现与银行柜台或 ATM 上取现有什么差别？
What is the difference between cash out and withdrawal at bank counter or ATM?
取现，指在银行柜台或 ATM 机上取现，一般跨行需要给银行 3%的手续费，另外每天要支付银行万分之五的利息，取现额度一般也只是信用卡可透支额度的 30%-50%，所以这个对于急需资金的准套现者来说是很有限制的。
Cash withdrawal refers to cash withdrawal at the bank counter or ATM machine. Generally, inter-bank service charges 3% to the bank. In addition, interest of 5 / 10000 of the bank should be paid every day. The amount of cash withdrawal is generally only 30% – 50% of the overdraft limit of the credit card, so it is very limited for the quasi casher who is in urgent need of funds.
套现，属于消费，只是刷卡消费后，不是拿商品，而是商户给你同等金额的现金，套现是有免利息的时间的，一般是 20-56 天不等，同时可以全额度或翻倍额度套现。
Cash arbitrage belongs to consumption. It’s just after swiping the card for consumption, not taking the goods, but the merchant gives you the same amount of cash. Cash arbitrage has a time free of interest, generally ranging from 20-56 days, and at the same time, you can cash in full amount or double the amount.
社会危害
Social harm
首先，信用卡套现增加了我国金融秩序中的不稳定因素。我国对于金融机构有严格的准入制度，对金融机构资金的流入流出都有一系列严格的规定予以监控。那些不法分子联合商户通过虚拟 POS 机刷卡消费等不真实交易，变相从事信用卡取现业务等行为却游离在法律的框架之外，违反了国家关于金融业务特许经营的法律规定，背离了人民银行对现金管理的有关规定，还可能为“洗钱”等不法行为提供便利条件，这无疑给我国整体金融秩序埋下了不稳定因素。另外，银行风险的增大，大量不良贷款的形成也将破坏社会的诚信环境，阻碍信用卡行业的健康发展。
First of all, credit card arbitrage has increased the unstable factors in China’s financial order. China has a strict access system for financial institutions, and a series of strict regulations to monitor the inflow and outflow of financial institutions. Those lawbreakers cooperate with merchants through virtual POS The dishonest transactions, such as machine credit card consumption, disguised credit card cash withdrawal and other activities are not within the framework of the law, which violates the legal provisions of the state on financial business franchising, deviates from the relevant provisions of the people’s Bank of China on cash management, and may also provide convenient conditions for illegal activities such as “money laundering” Prime. In addition, the increase of bank risk and the formation of a large number of non-performing loans will also damage the integrity environment of the society and hinder the healthy development of the credit card industry.
其次，非法提现对发卡银行的伤害是巨大的。绝大多数的信用卡都是无担保的借贷工具，只要持卡人进行消费，银行就必须承担一份还款风险。所以在通常情况下，银行通过高额的透支利息或取现费用来防范透支风险。可是，信用卡套现的行为恰恰规避了银行所设定的高额取现费用，越过了银行的防范门槛。特别是一些贷款中介帮助持卡人伪造身份材料，不断提升信用卡额度，银行的正常业务受到巨大的干扰，也带来了巨大的风险隐患。由于大量的套现资金，持卡人无异于获得了一笔笔无息无担保的个人贷款。而发卡银行又无法获悉这些资金用途，难以进行有效地鉴别与跟踪，信用卡的信用风险形态实际上已经演变为投资或投机的信用风险。一旦持卡人无法偿还套现金额，银行损失的不仅仅是贷款利息，还可能是一大笔的资产。
Secondly, the harm of illegal withdrawal to card issuing banks is huge. The vast majority of credit cards are unsecured lending tools. As long as the cardholder consumes, the bank must bear a repayment risk. Therefore, under normal circumstances, banks guard against overdraft risk through high overdraft interest or cash withdrawal fee. However, the behavior of cash out by credit card just evades the high cash out fee set by the bank and crosses the bank’s prevention threshold. In particular, some loan intermediaries help cardholders forge identity materials, and constantly improve the credit card limit. The normal business of banks is greatly disturbed, which also brings huge risks. Due to the large amount of cash, the cardholder has obtained a personal loan without interest and guarantee. However, the issuing bank can not know the purpose of these funds, so it is difficult to identify and track them effectively. In fact, the credit risk form of credit card has evolved into investment or speculative credit risk. Once the cardholder is unable to repay the cash out amount, the bank may lose not only the loan interest, but also a large amount of assets.
最后，对于持卡人个人而言，信用卡套现行为也给自己带来极大的风险。表面上，持卡人通过套现获得了现金，减少了利息支出，但实质上，持卡人终究是需要还款的，如果持卡人不能按时还款，就必须负担比透支利息还要高的逾期还款利息，而且可能造成不良的信用记录，以后再向银行借贷资金就会非常困难，甚至还要承担个人信用缺失的法律风险。
Finally, for the cardholder, the cash out behavior of credit card also brings great risk to himself. On the surface, the cardholder obtains cash through cash arbitrage and reduces the interest expense, but in essence, the cardholder needs to repay after all. If the cardholder fails to repay on time, he must bear the overdue repayment interest higher than the overdraft interest, and may cause bad credit records. It will be very difficult to borrow money from the bank in the future, or even bear personal credit Missing legal risks.
