以山东省为例探析我国商业储值卡发展现状及管理规范

发布时间：2018-04-10 19:01

本文选题：储值卡 + 电子货币　；参考：《山东大学》2015年硕士论文

【摘要】：随着现在经济的持续发展,以及高科技的迅猛发展,互联网行业更是异军突起,这种种的外部环境使得我国的电子支付逐渐成为现代支付行业的主流军。而以此为基础的商业储值卡便顺形势而生,并逐步渗透到人们生活的各方各面。这种新兴的商业储值卡与我们传统的支付方式相比较而言,有着非常明显的优势：使用方便、灵活；因为消费者预付资金从而能够让商家提前回笼资金等等。当前,商业储值卡市场需求较大,使得商业储值卡的形式多种多样,成为商家争取消费者的主要手段。在这种形势下,越来越多的金融机构、商业机构以及企业开始关注商业储值卡。同时,储值卡的广泛应用,虽然给社会公众消费购物带来便利,但是,由于相关法律法规的不完善,随着储值卡尤其是多用途储值卡的应用和普及,沉淀资金、企业信用、清算风险等各种问题和风险也随之而来,甚至不法分子的黑手也已趁机伸入到储值卡相关业务领域中来,目前已出现了利用储值卡进行套现和洗钱等违法违规行为,给储值卡业务发展带来了不利影响。储值卡也存在明显的弊端。由于政策、法律以及制度的滞后性,商业储值卡市场混乱,主要表现为：没有严格的市场准入制度；缺乏完善的监管监督；商业储值卡法律方面的缺失等。这些弊端使得消费者的权益难以得到有效的保障,严重阻碍了储值卡的发展。新兴事物在其发展的初期必定会存在着各方面的问题。商业储值卡作为一种新型的支付模式也同样如此。目前,我国对商业储值卡的理论研究、实践研究相对较少,商业储值卡的定义、分类以及性质还存在着不同的看法。在市场管理的层面上,政府相关的管理部门没有充分发挥主要的监管、管理、规范作用。在这种前提下,本文在研究相关文献的基础上,从目前商业储值卡市场的发展情况入手,分析我国储值卡发展的现状,并对山东省储值卡发展的状况进行了简要的分析,剖析储值卡存在的问题,同时对当前存在的问题提出一些解决的措施。本文的框架如下,且全文的主要内容共有以下七个部分：第一部分为绪论,详细介绍了本文的研究背景、意义以及研究的内容；第二部分详述了关于储值卡研究,对储值卡定义、分类、基本特征、产生原因进行了详细的分析；第三部分是对我国储值卡实地考察后进行的归纳总结和现状分析,并对山东省的储值卡现状进行了调查,分析当前储值卡行业存在的问题；第四部分是基于排队模型的储值卡沉淀资金研究；第五部分针对当前储值卡的现状以及存在的问题提出一些解决的措施和建议,提出了五点关于加强保障储值卡预付资金安全的措施和监管建议,包括建立完善的监管体系制度、严格控制市场准入、规范储值卡发行机构业务操作范围、实行资金第三方托管制度、建立信用档案等措施；第六部分是储值卡前景分析；第七部分是总结。
[Abstract]:With the continuous development of the economy now, and the rapid development of computer technology, the Internet industry is the external environment A new force suddenly rises., the electronic payment in China has gradually become the mainstream in the modern payment industry. And on the basis of the business card is smooth and the situation, and gradually penetrated into all aspects of life people this new business cards compared with the traditional payment method, has obvious advantages: easy to use, flexible; because consumers of prepaid funds so as to allow merchants to return the funds in advance and so on. At present, the commercial prepaid card market demand is large, the business card in a variety of forms, become the main means for businesses consumers. In this situation, more and more financial institutions, businesses and enterprises began to focus on business cards. At the same time, stored value cards widely Although, to the public consumer shopping convenience, but because of the imperfect laws and regulations, especially with the card application and the popularization of MPCs precipitation funds, enterprise credit risk, clearing various problems and risks attendant, even the black hands of criminals have also took the opportunity to extend into the card related in the field of business, at present there are cards for cash and money laundering and other illegal acts to use stored value cards, adversely affecting business development. Card also has obvious disadvantages. Because the policy lag, the law and system, the commercial prepaid card market confusion, the main performance is: there is no strict market access system; lack of supervision supervision; legal aspects of the lack of business cards and so on. These problems make the interests of consumers can be effectively guaranteed, seriously hampering the reservoir The value of card development. New things will exist in all aspects of the problem in the early stage of its development. Business card as a new payment mode is the same. At present, China's theoretical research on business cards, the practice research is relatively small, the definition of business cards, classification and properties still exist different views. In the market management level, relevant government departments did not give full play to the main supervision, management, normative role. In this context, based on the relevant literature, starting from the current development situation of the commercial prepaid card market, analysis of the current situation of the development of China's prepaid card, and the the development of Shandong Province, the status of cards were analyzed briefly, analyzes the card problems, and puts forward some measures to solve the current problems. The framework is as follows, and the main content There are the following seven parts: the first part is the introduction, introduces the research background, significance and contents of the study; the second part details the research on cards, definition, classification of cards, basic characteristics, the causes are analyzed in detail; the third part is the summary and status analysis I in the card after on-the-spot investigation, and the Shandong province card status quo survey and analysis of the current card industry problems; the fourth part is the queuing model of prepaid cards based on the precipitation of funds; the fifth part puts forward some countermeasures and advices to the current status quo of prepaid cards and the existing problems, put forward the five point on strengthening the protection of prepaid funds safety measures and regulatory proposals, including the establishment of the system of supervision system, strictly control the market access standard value storage card The issuer operating range, the capital of third party custody system, the establishment of credit archives and other measures; the sixth part is the prospect of the stored card; the seventh part is the summary.

【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F721

【参考文献】