Our Country Commercial Prepaid Legal Regulation Research

Emergence of prepaid card business in our country is late, but along with our country economy unceasing prosperity and progress of science and technology, science and technology is applied in our daily life more and more, these factors promoted the rapid development of commercial prepaid card. As a new way of consumption, prepaid business easy to carry, greatly reducing the people when buying goods or services using the inconvenience of cash, consumer removes use cash inconvenience when payment, businesses or businesses use prepaid business stable customers, so, prepaid business development to a certain extent, have played an important role in stimulating consumption and expanding domestic demand.But commercial prepaid card in rapid development at the same time also brought some problems. On the one hand, consumer rights and interests are violated when using prepaid card business growing phenomenon, in the beauty salon, clothing department, fitness, leisure, catering hotel industries, businesses at the time of launching prepaid card business, promised to offer preferential service on one hand, on the one hand require consumers to accept the inequality clauses in the standard term, such as consumers purchase card is not retreated after filling, the businessman has power of interpretation of the commercial prepaid card content and so on, also including merchants in consumption volume of money fled, card up wait for a phenomenon, make the legitimate rights and interests of consumers damaged, increases social disharmonious factors; On the other hand, due to the member to buy commercial prepaid card is designed to consumption, the body of the CARDS are often happen in daily life is not the main body of commercial prepaid card when purchasing, this led to the financial institutions are difficult to effectively supervise the cardholder’s consumption activities, some people will use commercial prepaid card for commercial bribery or money laundering activities. Visible, in order to guarantee the development of the commercial prepaid card market, must strengthen the legal regulation of commercial prepaid card. To better promote the development of commercial prepaid card system and improve the efforts not only rely on a certain department can solve, it need more departments, the interdisciplinary coordination contact to build a sustainable development for its living space. The problems existing in the development of our country now prepaid card business market need to strengthen the legal regulation of issuing body and prepaid to business how to regulate the specification. So that on the one hand, is a good way to protect the rights and interests of consumers, on the other hand to prevent money laundering risk due to commercial prepaid card and evade tax risk, such as making the commercial prepaid card market forms the enterprise self-discipline and the constraint mechanism of policy regulation, the development of commercial prepaid card will be more specification.