The Research On Prepaid Cards Supervision System

The prepaid consumption is a new type of consumption patterns on the market, andthe status of China’s social and economic life is gradually increased. Wide circulation inChina’s market of commercial prepaid cards can be divided into two categories: one isissued by the franchise sector, multi-purpose across prepaid cards; the other is issued byenterprises, with a single-purpose prepaid within card. Commercial prepaid cardsinitially emerged in the field of high-end consumer, and its development has alreadypenetrated into the various levels of consumer field, such as catering, hotels, shoppingmalls and other industry has a wide range of commercial prepaid cards. Commercialprepaid card, regardless of the operator or the consumer, have a very important role.However, due to the lack of appropriate regulatory mechanisms, prepaid cards in thedevelopment of our country is more chaotic and often occurs in the mass of complaints,to a large extent hindered the normal trading of China’s market.Firstly, the concept of commercial prepaid card with a brief introduction, followedby the characteristics of commercial prepaid cards, classification and legal relationshipsare outlined. And the United States and Japan today for commercial prepaid cardsissued by regulatory laws were discussed, and points out its regulatory legal system ofrevelation. Analysis from the commercial prepaid cards starting today on China’scommercial prepaid card market and regulatory situation were discussed. Then China’scurrent legal and regulatory issues commercial prepaid cards were further explored forcommercial prepaid cards of today’s problems is not clear from the regulatory body fouraspects were discussed, and the problems related to the legal cause analysis and, finally,a prepaid card regulatory measures on China’s regulatory laws should improve someauthors put forward their own proposals in order to improve the monitoring mechanismfor the prepaid card with a reference value proposed countermeasures.