Economic Analysis On Credit Missing Of Pre-payment Consuming Card

With the progress of the society and the development of the economic, some enterprises issue the pre-payment consuming cards to attract the customers and give back the fund to make up for fixed costs. The form of the pre-payment consuming cards is that the customers store money in the cards before they consume, and the enterprises would give the satisfied discount to the customers. To do this the enterprises may also have the plenty of cash flows.This is a win-win pattern. Now this mode can be seen everywhere, for example, the beauty parlors, dry cleaners, hotels, wash the car,,golf courses, and so on.The primary purpose of this mode is to help the enterprises developing a steady clients group and give the customers benefits. But the enterprises may give lower discount and course the vicious competition, so there would be some phenomenon such as the promised discount cannot achieve, and even the enterprises closed with the money disappearing.So, this form of issuing pre-payment consuming cards also has some problems. In this paperⅠwill analysis this and find away to solve the problems.This paper is on the basic of economic analysis, with the example of the fitness center. By the games of the enterprises and the games of the enterprises and customers, this paper explain the meaning why the system of the pre-payment consuming card exist, for the other word is why the enterprises choose to send the pre-payment consuming card. Also, this paper studies that the course of credit missing for the enterprises who issue the pre-payment consuming cards. Included the internal and external courses, and explain that to solve this problem we can raise the possibility to make the bargaining successfully. We can also raise the cost of credit missing and the possibility of being found. Finally, we can find a reasonable way to solve the problem of credit missing for the enterprises. In my article, I concrete analysis of the government supervision.The pre-payment consuming cards have replaced of the cash deals. The transaction amount is bigger and bigger. The proportion of pre-payment consuming fund is higher and higher. So we must supervise the enterprises issue the pre-payment consuming cards, Make this consumption patterns develop healthily.