Analysis On The Legal Issues Of Single Purpose Prepaid Card Supervision In China

Along with the development of the social life,people’s consumption patterns more and more various,convenient way into consumer choice consumption must be one of the lack of demand,so prepaid card consumption arises at the historic moment.Prepaid card consumption should be the "win-win" situation: businesses get their money back quickly,can not only stable customers,also can form a fixed cash flow to maintain and expand.Consumers through the prepaid deposit in advance and enjoy discount from the advance payment,to reduce the use of cash,save the time of settlement.But the fact is,in our country because of the lack of effective supervision,single use prepaid card market now appeared "lose-lose" situation.Consumer rights and interests suffer gradually lost confidence in this way of consumption.Consumer negative attitude to business management bring adverse effect,individual illegal merchant’s wrongdoing indirectly affect the integrity of the dealer as the management behavior,thus affecting consumer confidence in the prepaid card market,such a "vicious circle" is not conducive to the development of market economy.Therefore,this article through to the single purpose to introduce the basic regulation of prepaid card system,reference outside experience,analyzes the problems existing in the single use prepaid card regulation,finally,combined with national condition to propose the corresponding solution.In this paper,the first chapter,the author expounds the necessity of regulation of single use prepaid card,is divided into three parts.The first part is an overview of single use commercial prepaid card.First introduces the concept of commercial prepaid card.As a result,the concept of single use prepaid card,and comparing with multipurpose prepaid card concept,secondly elaborated the characteristics of the single use prepaid card,finally analyzes the legal nature of single use prepaid card.The second part tells the necessity of regulation,the paper introduces the current single use prepaid card consumption situation and regulation of theoretical basis.The third part introduces the current supervision legal system of the basic framework of the single use prepaid card,means from the regulatory agencies,regulatory and legal liability are analyzed.First chapter is an introduction to the general situation of single use prepaid card for below lay the foundation.The second chapter mainly discusses the single use prepaid card in our country are faced with the problem in the regulation,the main regulatory body is not clear,access system is imperfect,the record system is not sound,"overlord terms" is not standard and not safe money five questions in advance,it will introduce relevant case analysis of the reason,only clearly recognizing problems arising from the regulatory process,proposes the countermeasure in order to better as below.The third chapter,the author introduces outside supervision legal system,mainly introduces the regulation in the United States and Japan legal basis and the corresponding supervision system,summed up the experience for reference for China’s national conditions,providing theoretical basis for the following questions and solve the problem.The fourth chapter tells the story of single use prepaid card supervision in China the improvement of the legal issues,respectively is clear regulation subject,practice the approval system,mandatory filing system,standard contracts and prepaid card consumption and improve the funds safeguard mechanism and the information publicity system,through the elaboration and analysis of the feasibility of each system,as far as possible for our single use prepaid card regulation provide operational advice.