【中文版】

银行卡洗钱是指犯罪分子通过银行或其他金融机构将非法所得及其产生的收益进行清洗，以掩盖其真实的来源和性质，从而使其转化为看似合法的财产。这是一种严重的犯罪行为，对金融市场和社会稳定造成了极大的危害。

银行卡洗钱通常涉及将非法所得存入银行账户，然后通过转账、取现、消费等方式进行清洗，使得这些资金看起来像是合法的收入。犯罪分子往往会利用不同银行之间的转账和取现费用差异，以及各种金融工具和交易方式来掩盖资金的真实来源和性质。

银行卡洗钱行为的发现和打击对于维护金融市场的公平性和稳定性具有重要意义。金融机构应当加强对可疑交易的监测和报告，并及时向监管部门报告；同时，广大市民也应当增强防范意识，不要将自己的银行账户或其他金融工具提供给他人，以防止被利用于洗钱活动。

【英文版】

Bank card money laundering refers to criminals using banks or other financial institutions to wash illegal proceeds and their resulting收益，掩盖 their true source and nature，and convert them into seemingly legitimate property. This is a serious criminal offense that poses great harm to the financial market and social stability.

Bank card money laundering typically involves depositing illegal proceeds into bank accounts and then cleaning the funds through methods such as transfer，cash withdrawal，and consumption，making these funds look like legitimate income. Criminals often take advantage of the differences in transfer and cash withdrawal fees between different banks，as well as various financial instruments and transaction methods，to conceal the true source and nature of the funds.

The detection and crackdown of bank card money laundering behavior is of great significance for maintaining the fairness and stability of the financial market. Financial institutions should strengthen monitoring and reporting of suspicious transactions and timely report to regulatory authorities； at the same time，the general public should also enhance awareness of prevention and not provide their bank accounts or other financial tools to others to prevent them from being used for money laundering activities.