Analysis Of Development And Management Of Stored Value Cards Taking Shandong Province As Research Object

The continuous development of economic progress, make electronic payments become the mainstream of modern pay industry. Business card while in this situation arises at the historic moment, become one of important payment tool in people’s life. Business card while comparing with the traditional way of payment, has obvious advantages:easy to use; Enables merchants fund withdrawal ahead of time, shorten the cycle of capital turnover. Business at present, the market demand is bigger, makes the business card while in a variety of forms, become a means for consumers’main businesses. In this situation, more and more financial institutions, commercial organizations and enterprises begin to pay close attention to commercial stored-value stored value card.At the same time, the widespread application, while the public consumer shopping bring convenience to the society, however, due to the imperfect relevant laws and regulations, especially with the stored value card multi-purpose card while the application and popularization, the precipitation funds, enterprise credit risk, liquidity risk and other problems and followed, even black criminals have also been taken advantage of to the stored-card related business areas, has appeared to cash out and use the stored value card money laundering violation behavior, business development brings adverse effect to the stored value card. Stored-credit also exist obvious drawbacks. As a result of the policy, law and system lag, business the market turmoil, main show is:there is no strict market access system; The lack of perfect regulation supervision; Business card while the lack of legal aspects and so on. These disadvantages make the rights and interests of consumers is difficult to get effective safeguard, seriously hindered the development of the stored value card.Emerging things must exist in the initial period of development of all aspects of the problem. Business card while as a kind of new payment mode. At present, the theory research and practice of business card while the research is relatively small, definition, classification and nature of the business card while there are different views. In market management level, the management of the relevant government department didn’t give full play to their role as the main regulation, management, standardized. Under this premise, in this paper, on the basis of the research literature, from the current development situation of the market business, analysis our country the development of the status quo, and the development of the situation in Shandong province is briefly analyzed, analyzes the existing problems, and the at the same time puts forward some measures to solve the problems existing in the current.The main content of this article consists of five parts:the first part is the introduction, introduced in detail in this paper, the research background, significance and content of the study; The second part details the research about the stored value card, to the definition, classification, basic characteristics, the causes are analyzed in detail. The third part is the summary to our country the stored-card after on-the-spot investigation and the analysis of the status quo, in Shandong province and the present situation has carried on the investigation of the stored value card, analysis the current problems existing in the Stored value Card industry; The fourth part is based on the status quo of the current pay-as-you-go and puts forward some measures to solve the problems, puts forward five measures for enhancing the stored-card imprest fund security and regulatory advice, including establishing perfect regulation system, strictly control market access and specification of the issuer the scope of business operations, implementing the escrow fund system and establish credit files.