摘要：自银行卡在中国诞生以来，中国银行卡产业已经走过了20多年的发展历程，尤其是信用卡，已经成为信息技术应用于金融领域的成功典范。随着银行卡业务的创新发展而日益方便快捷。银行卡产业面临诸多风险和挑战，伪卡欺诈、信用卡套现、虚假申请等方面的风险案件与日俱增，犯罪手段不断的高科技化，对银行和持卡人的资金安全造成威胁，在一定程度上影响了银行卡产业健康持续地发展。本文从风险防范出发，讲述了一些现在政府的防范管制手段和持卡人个人防护的办法。

关键字：信用卡，风险，管制，监管

Abstracts：Bank cards in China since the birth of China's bank card industry has gone through 20 years of development; especially credit card has become a successful model of the IT used in the financial sector. With the innovation and development of the bank card business and increasingly convenient. The bank card industry faces many risks and challenges, counterfeit credit card fraud, credit cards, cash, false application for increasing risks cases, criminal means to keep the high-tech, pose a threat to the financial security of the bank and the cardholder, to some extent affected the bank card industry is healthy and sustainable development. Starting from risk prevention, about some of the government to prevent regulatory instruments, the cardholder personal protective measures.

Keywords:  credit card, risk, control, supervision

　　信用卡是现在以至将来大家生活离不开的物品，在未来的生活里，它会变的比手机还普及，很多日常生活都将离不开它。政府会逐渐完善对信用卡的管理办法，用更加完善的法律来约束和保护使用者的合法权利。大家也要提高自身对于信用卡犯罪的认识，能辨别最基本的违法犯罪手段，要加强自己对银行这方面条款的理解，一切从小事做起，维护好自己和国家的利益，让不法分子没有漏洞可钻。