商业预付卡法律规制研究

发布时间：2018-04-27 11:13

本文选题：商业预付卡 + 监管　；参考：《广东财经大学》2015年硕士论文

【摘要】：伴随着科学技术的不断发展和进步,商业预付卡因其具有方便快捷、促进交易、节约交易成本等方面的优势已迅速渗透到各行各业中,成为市场经济中不可或缺的一部分。但是,我国商业预付卡出现的比较晚,法律规制也不是很完善,以至于在社会生活中出现了各种问题。本文正是以商业预付卡法律规制过程中存在的问题为基础,通过分析其产生的原因,来提出相对应的完善对策。本文主要分为四章对商业预付卡法律规制进行阐述:第一部分,对商业预付卡的概念、特征进行分析,总结目前学术界对商业预付卡性质的不同观点,尝试对预付卡的性质进行界定以及对预付卡交易中涉及的法律关系进行分析。第二部分,结合我国的实际情况找出商业预付卡法律规制出现的问题,着重对信用风险、金融安全、税收监管、备付金安全等四个方面的问题进行研究分析,并剖析产生这些问题的主要原因。第三部分,对国外商业预付卡法律规制进行比较分析,该部分对美国和日本的法律规制比较分析,找到最适合我国国情的关于商业预付卡法律规制的道路。借鉴国外的经验,从中得到启示,不断完善我国的法律规范体系。第四部分,就如何完善我国商业预付卡法律规制提出相关的建议,主要是从建立商业预付卡的准入制度、强化监管、完善法律责任制度等方面提出完善的对策,以期对完善我国商业预付法律规制起到一定的促进作用。
[Abstract]:With the continuous development and progress of science and technology, commercial prepaid cards have become an indispensable part of the market economy because of their advantages of convenience, convenience, trade promotion, transaction cost saving and so on. However, commercial prepaid cards in China appear late and legal regulations are not perfect, so that there are various problems in social life. Based on the problems existing in the legal regulation of commercial prepaid cards, this paper puts forward the corresponding perfect countermeasures by analyzing the causes of their emergence. This paper is divided into four chapters to explain the legal regulation of commercial prepaid card. The first part analyzes the concept and characteristics of commercial prepaid card and summarizes the different viewpoints of the current academic community on the nature of commercial prepaid card. This paper attempts to define the nature of prepaid cards and analyze the legal relationship involved in prepaid card transactions. The second part, combined with the actual situation of our country to find out the commercial prepaid card legal regulation problems, focusing on the credit risk, financial security, tax supervision, reserve security and other four aspects of research and analysis, And analyze the main causes of these problems. The third part makes a comparative analysis on the legal regulation of commercial prepaid cards in foreign countries. In this part, the author makes a comparative analysis of the legal regulations between the United States and Japan, and finds out the most suitable way for the legal regulation of commercial prepaid cards in China. Draw lessons from the experience of foreign countries, from which to get inspiration, constantly improve our legal system. In the fourth part, the author puts forward some suggestions on how to perfect the legal regulation of commercial prepaid card, mainly from the aspects of establishing the admission system of commercial prepaid card, strengthening supervision, perfecting the legal liability system and so on. In order to improve the legal regulation of commercial prepayment play a certain role in promoting.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.294

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