我国信用卡套现行为非常普遍,折射出我国民间融资的困境以及旺盛的融资需求。监管者及银行对信用卡套现持否定态度,认为其大量出现会危及国家的金融秩序和银行业的健康发展。本文试运用法经济学的方法,对信用卡套现行为进行分析,以明确该行为产生的诸多必然性,并讨论对其进行规制是否必要。 China’s credit card cash behavior is very common, reflecting the plight of China’s private financing and strong financing needs. Regulators and banks hold negative attitudes toward credit card transactions, believing that a large number of them will endanger the country’s financial order and the healthy development of banking. This paper attempts to use the method of law and economics to analyze the behavior of credit card cash in order to clarify the many inevitability of the behavior and discuss whether its regulation is necessary.