Research On The Legal Regulation Of Commercial Prepaid Cards In China

With the advancement of modern information science and technology and the in-depth development of market economy,a lot of new forms of consumption have emerged.Among them,with the changes of the time factor in the consumption activities,gave birth to a prepaid consumption model,commercial prepaid card became a prepaid consumption in the basic ticket.With the rapid development of the market economy,in recent years more and more commercial prepaid cards appear in our daily life.It is obvious that the development of commercial prepaid cards is sharp.But the commercial prepaid card as a new thing,in fact,is a double-edged sword.It plays a role in facilitating public payments and effectively stimulating consumption.Due to the lack of appropriate regulatory mechanisms,there are also a series of problems such as the quality of service is difficult to protect,personal privacy leak,money management chaos,retreat card difficulty and so on can't be ignored.So,does the commercial prepaid card have the value of being there?How should we deal with the problems with commercial prepaid cards?The author of this article through the collection of published journals and magazines articles,access to existing relevant legal norms.First of all,the different definitions of commercial prepaid cards were briefly sorted out,According.to the types and distribution of prepaid cards in practice,the author gives the author's definition of commercial prepaid cards,and then analyzes the characteristics,essential attributes and legal relations of commercial prepaid cards.And then summarizes the status of China's commercial prepaid card and the status of legal regulation,respectively,the commercial prepaid card in the issuance,consumption,and the capital management of the three aspects of the legal issues discussed in detail.And then compare the United States and Japan in the commercial prepaid card legal supervision is worthy of our advanced system and experience,In the end,the author puts forward his own countermeasures and suggestions on the problems in the above three aspects of China's commercial prepaid card,hoping to have a certain reference value for the perfection.