Legal Regulation Research On Commercial Prepaid Card

In recent years, with the rapid development of economy and the prosperity of tradein our country, consumption in advance of this emerging consumption pattern graduallywalk into the daily life of the masses, as the main carrier of the consumption patternsand ways of distribution, it has been accepted by consumers. Prepaid card convenientlychanged the traditional trading habits and trading processes, has become a kind ofconsumption style. And merchants from all walks of life in order to meet the needs of theconsumers are scrambling to introduce a prepaid card in a wide range of designs, moreappeal to consumers in the form of preferential prepaid, prepaid card into every field ofpeople’s life. According to the survey, the issuance of prepaid card amount more thanbillions and is growing exponentially. However, paradoxically, in the face of such a broadrange of trading and large volume, was also weak about commercial prepaid card relatedlegislation in our country. While a prosperous prospect in commercial prepaid card hasinevitably produced a number of problems. The justice department in solving thesedisputes without can be on the basis of a clear legal norm, disputes between merchantsand customers cannot be effectively solved, the legitimate rights and interests of bothsides can not be effectively maintained. In order to protect the orderly operation of themarket, at the same time, protect the lawful rights and interests of the public and thesafety of the financial order, we establish the corresponding legal norm is imperative.This article through the analysis of the characteristics and properties of commercialprepaid card, sums up the essence of commercial prepaid card characteristics andproperties of the contract, and discusses on the necessity of commercial prepaid cardregulation, the legitimacy of legal regulation on commercial prepaid card to card. Finally,in view of the business of prepaid card issuance and regulation, and punishmentmeasures three aspects put forward Suggestions for the perfection of the legal regulation.Mainly divided into the following several parts: the first, the concept of commercialprepaid card, characteristics, and introduces the legal nature of aspect, has been clearabout the definition and characteristics of commercial prepaid card. Second, this paperdiscusses necessity of prepaid business regulation. Prepaid business has its existencevalue, the law regulation also acknowledged the existence of legitimacy. So for theregulation of commercial prepaid card cannot adopt "killed" a cool way of ban, the key is to investigate its crux, in order to suit the remedy to the case. This part mainly businessrisks by prepaid card for this key, discusses the shortcomings of existing legal regulation.Third, if we want to solve the hidden trouble in all kinds of risks and commercial prepaidcard, it is necessary to perfect the deficiency of the existing regulation. The last partmainly aims at the essential attribute of commercial prepaid card with its risk and putsforward some solutions and regulative, mainly including: the establishment of accessmechanism, strengthening the regulation of prepaid card, give consumers more rights,strengthening punishment from four aspects, perfect the relevant business of legalregulation of the prepaid card, in order for the orderly development of commercialprepaid card make recommendations, to make it better serve the consumers, marketeconomy and even the whole society.