论预付卡的法律规制

发布时间：2018-03-03 03:01

本文选题：预付卡　切入点：本质属性　出处：《华东师范大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着信息技术的飞速发展,市场经济条件下商业活动日益丰富多样,预付卡已经成为顺应市场需求,活跃商业活动,提高支付效率的重要工具之一。我国预付卡的使用范围和规模近几年来也迅速扩张,已经遍布各个行业,其名目之多用途之广,已经对广大消费者的社会生活和日常消费产生了重大影响,成为广泛使用的一种新型商业支付手段。目前,我国对于预付卡的法律规范和监管尚处于探索阶段,由于相关的法律法规对此领域的规定十分滞后,造成预付卡的发行、流通与管理均比较混乱,发卡主体分散,存在较大的法律风险。2010年以来,随着《非金融机构支付服务管理办法》等一系列法规的出台,预付卡进入了相关部门的监管视线,预付卡行业迎来了监管框架下新的发展阶段。但是由于现有的法律位阶较低,且未涉及单用途预付卡,因此对于预付卡的法律规制还未建立起一个完整的监管体系,还有很大需要完善的空间。本文主要通过明确预付卡的本质属性,介绍其他国家和地区对预付卡监管方面的经验,来探析我国应该如何建立起有利于消费者权益保护、预付卡市场健康发展的法律规制体系。本文主要分为四个部分进行阐述。第一部分,对预付卡的概念进行界定,总结了目前学术界对于预付卡本质属性的五种学说,探析预付卡的本质属性,并介绍了预付卡的几种主要分类。第二部分,分析预付卡在我国的发展现状,并结合我国国情分析了预付卡存在的五种主要的法律风险。第三部分,整理归纳我国国内关于预付卡的相关法律制度和监管规定,并介绍预付卡在国外的发展过程,分析预付卡在其他国家和地区的法律规范和监管制度。第四部分,借鉴其他国家和地区的法律制度和监管经验,就如何建立起适应我国预付卡发展的法律规范体系提出相关的建议,以期对我国预付卡制度的完善起到一定的促进作用。
[Abstract]:With the rapid development of information technology, commercial activities are increasingly rich and diverse under the condition of market economy. Prepaid cards have become responsive to the needs of the market and active commercial activities. The scope and scale of prepaid cards in China have expanded rapidly in recent years. It has had a great impact on the social life and daily consumption of consumers, and has become a new commercial payment method widely used. At present, the legal norms and supervision of prepaid cards in our country are still in the exploratory stage. Due to the lag of the relevant laws and regulations in this field, the issuance, circulation and management of prepaid cards are confused, and the subjects of issuing cards are scattered. Since 2010, with the promulgation of a series of laws and regulations, such as "measures for the Administration of payment Services of Non-Financial institutions", prepaid cards have entered the regulatory line of view of relevant departments. The prepaid card industry has ushered in a new stage of development under the regulatory framework. However, due to the low level of existing laws and the absence of single-purpose prepaid cards, the legal regulation of prepaid cards has not yet established a complete regulatory system. There is still a lot of room for improvement. By clarifying the essential attributes of prepaid cards and introducing the experiences of other countries and regions in regulating prepaid cards, this paper explores how to establish a favorable protection of consumers' rights and interests in China. This paper is divided into four parts to elaborate. The first part defines the concept of prepaid card and summarizes five theories about the essence of prepaid card. This paper analyzes the essential attribute of prepaid card, and introduces several main categories of prepaid card. The second part analyzes the development of prepaid card in our country, and analyzes five main legal risks of prepaid card according to the situation of our country. Sorting out and summarizing the relevant laws and regulations on prepaid cards in China, introducing the development process of prepaid cards abroad, and analyzing the legal norms and regulatory systems of prepaid cards in other countries and regions. Part 4th, Based on the legal system and supervision experience of other countries and regions, this paper puts forward some suggestions on how to set up a legal standard system to adapt to the development of prepaid card in China, in order to promote the perfection of prepayment card system in China.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.28;F832.2

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