中国预付卡发展的经济风险研究

发布时间：2018-04-11 15:54

本文选题：预付卡 + 定价　；参考：《武汉大学》2012年博士论文

【摘要】：当前,在美债危机与欧洲危机的背景下,预付卡作为刺激金融服务业发展的手段之一,在国内外被广泛运用,促使预付卡在国内外快速发展。伴随预付卡在我国的广泛使用,其风险问题也日趋严峻：首先,从发卡机构、收单机构、卡组织以及商户来说,风险主要表现为预付卡的定价问题,即预付卡市场应该如何定价,才能使消费者能够接受预付卡,使商户愿意受理预付卡,同时,发卡机构、收单机构、卡组织以及商户等能够获得利润。其次,风险表现为发卡机构损害消费者的利益。预付卡发行机构给消费者带来的风险主要表现为：玩失踪；玩点子；玩缩水以及玩四定(定消费金额、定消费地点、定消费时间与定消费范围)。对损害消费者利益的发卡机构应该如何进行监管呢?在我国提出第三方支付条例的背景下,第三方支付是否能够解决上述问题呢?本文将研究上述问题。最后,从宏观层面来说,我国预付卡行业的相关法律、法规并不健全。预付卡在一定程度上能够代替货币进行小额支付,这会对中央银行的货币政策等带来影响。那么应该如何防范和监管预付卡带来的宏观风险呢?这也是本文将研究的问题之一。总之,随着预付卡在我国的蓬勃发展,上述三方面的问题迫切需要理论界进行研究并提出相应的对策。我国在发展预付卡产业时,首先可以借鉴国外预付卡发展和管理的经验,同时要考虑其在我国的适应性问题。在加强监管的同时,有必要结合我国的现实社会和经济发展情况来进行理论分析,提前采取措施来规避风险的发生。所以,当前研究我国预付卡发展的经济风险具有很强的理论和现实意义。论文由八章构成。第一章是导论。本章阐述了论文选题的背景、研究意义以及国内外研究的现状,并对论文研究的思路、结构、主要内容、研究方法和可能存在的研究创新等进行了介绍。第二章是银行卡与预付卡的相关理论研究。该章首先分析了银行卡与预付卡的起源与理论基础,然后分析风险的内涵与风险计量的方法,最后分析银行卡与预付卡风险的相关理论。第三章是预付卡风险研究。本部分首先分析预付卡定价与定价风险。然后分析预付卡带来的微观风险,如信用风险、欺诈风险和安全风险等。再次,分析预付卡带来的宏观风险,如预付卡对中央银行地位的影响、预付卡对货币供给和需求的影响、对货币政策最终目标的影响、对商业银行业务的影响、对支付清算系统的影响等。最后,该部分分析预付卡带来的反洗钱风险。第四章是预付卡风险实证研究。本部分首先通过案例分析了我国预付卡微观风险的信用风险与欺诈风险。然后实证研究了预付卡对货币供给量以及中央银行铸币税的影响。第五章是我国预付卡市场发展历程、存在问题与监管现状。该部分首先分析了我国预付卡发展历程,然后探讨我国预付卡市场发展现状与存在问题。最后,本部分分析我国预付卡市场监管的现在与存在的问题。第六章是预付卡监管的部分国际经验研究。本部分首先探讨了美国、日本、欧盟与新加坡等国家的预付卡监管经验。然后对比分析这些监管经验。最后,本部分分析这些监管经验的借鉴意义。第七章是我国预付卡监管与发展建议。本部分首先提出应该加快预付卡监管立法来应对预付卡风险,然后提出完善预付卡风险管理体系来进一步加强对风险的管理。再次,该部分提出构建竞争性的预付卡市场来促进预付卡市场的发展。最后,本部分提出应该进行预付卡市场的产品与服务创新来应对风险和保持预付卡市场的平稳发展。最后一章是结论与展望。本部分首先对全文研究的结论进行了总结。然后提出本文研究恭贡献,进而提出后续研究展望。
[Abstract]:Currently, in the United States debt crisis and European crisis, as one of the prepaid card to stimulate the development of the financial services industry, widely used at home and abroad, the prepaid card at home and abroad. With the rapid development of the prepaid card is widely used in our country, the risk is becoming more and more serious:
First of all, from the credit card issuers, acquirers and card organizations and businesses, the risk mainly pricing problem for the prepaid card, prepaid card market is how to pricing, to enable consumers to accept prepaid card, prepaid card that merchants are willing to accept, at the same time, issuers, acquirers, merchants and card organizations can make a profit.
Secondly, the risk for issuers to harm the interests of consumers. The risk of prepaid card issuers to give consumers the main performance is: disappeared; play and play by play ideas; shrink (the amount of consumption, consumption of fixed location, fixed time consumption and consumption range). The card issuer to harm the interests of consumers should be how to do the third party payment regulation? Proposed regulations under the background of China, the third party payment whether can solve the above problems? This paper will study the above problems.
Finally, from the macro level, the relevant legal profession prepaid card in our country, the laws and regulations are imperfect. The prepaid card can be used instead of money for small payments to a certain extent, it will affect the central bank's monetary policy. So how to prevent and control the risk to the macro prepaid cassette? This is studied in this paper one of the problems.
In short, with the prepaid card boom in China, the three aspects of the problem urgently needs the theory research and put forward the corresponding countermeasures. In the development of China's prepaid card industry, we can learn from foreign prepaid card development and management experience, at the same time to consider the adaptability problem in our country. In strengthening supervision at the same time, it is necessary to combine the reality of social and economic development of our country to carry on the theory analysis, due to take measures to avoid risks. Therefore, it has strong theoretical and practical significance of the study of the development of prepaid card economic risk.
The paper is composed of eight chapters.
The first chapter is an introduction. This chapter describes the background, significance and current research situation of the thesis, and introduces the train of thought, structure, main contents, research methods and possible research and innovation of the research.
The second chapter is the related theoretical research of bank card and prepaid card. This chapter first analyzes the origin and theoretical basis of bank card and prepaid card, then analyzes the connotation of risk and the method of risk measurement, and finally analyzes the related theories of bank card and prepaid card risk.
The third chapter is the research on the risk of prepaid card prepaid card. Part of the first analysis of pricing and pricing risk. Then risk analysis of micro prepaid card brings, such as credit risk, fraud risk and security risk. Thirdly, analyzing the macro risk brought by the prepaid card, prepaid card such as the impact on the position of the central bank, influence on currency prepaid card supply and demand, influence on the ultimate goal of monetary policy, the influence for commercial banks, to pay liquidation system. Finally, the part of the prepaid card brings the anti money laundering risk.
The fourth chapter is the empirical research of prepaid card risk. First, we analyze the credit risk and fraud risk of our country's prepaid card risk by case study. Then we empirically study the impact of prepaid card on money supply and central bank seigniorage.
The fifth chapter is the development of prepaid card market in China, the existing problems of the supervision of the status quo. The first part of the development process of China's prepaid card, prepaid card and discusses the market development status of our country and existing problems. Finally, this part analyzes the market supervision of prepaid card in our country at present and existing problems.
The sixth chapter is part of the international experience research on prepaid card regulation. This section first discusses the experience of prepaid card supervision in the United States, Japan, the European Union and Singapore, and then compares and analyzes these regulatory experiences. Finally, this part analyzes the reference experience of these regulatory experience.
The seventh chapter is the regulation and development of prepaid card suggestions. This part first proposed should speed up the prepaid card supervision legislation to deal with the risk of a prepaid card, prepaid card and then put forward a sound risk management system to further strengthen the management of risks. Thirdly, this part puts forward the competitive prepaid card market to promote the development of the prepaid card market. Finally, this part puts forward the innovative products and services should be prepaid card market to deal with the risks and maintain the stable development of the prepaid card market.
The last chapter is the conclusion and prospect. In the first part, the conclusions of the full text are summarized. Then, the contribution of this research is presented, and then the follow-up research prospect is put forward.

【学位授予单位】：武汉大学
【学位级别】：博士
【学位授予年份】：2012
【分类号】：F832.2;F721

【参考文献】