The Legal Regulations Of Single-purpose Prepaid Card Consumption

Along with the technical uncea sing progress and people’s infinite pursuit of easier life,the single-purpose prepaid card industry has developed rapidly.It is not only brings a large amount of capital reserves and fixe d customers to operators,but also brings some conveniences and benefits to custom ers.However,these years infringem ent acts frequently occurred to the area of single-purpose prepaid card consum ption.The main reasons for the problems are the absence of legislation and supervision,and the lack of credit awareness of social operators.A lthough our country has tried to regulate the single-purpose prepaid card by legislation,su ch as Measures for the Managem ent of Single-purpose Commercial Prep aid Cards(Trial Implementation),which has promulgated by the Ministry of Comm erce and clarified the competent authority of the single-purpose prepaid cards.It has estab lished some systems,for instance,the registration of the real nam es and t he deposit as well as managem ent of the capital.Besides it uses legal provisions to supervise the single-purpose prepaid card for the first time.Due to the lim itations of the rules itse lf,the actual effectiveness maybe greatly reduced.Hence,the article takes the consum ption status of single-purpose prepaid card as the background,further constructing an d improving the legal regulations of single-purpose prepaid card from the concept,characteristics and consumption status.The article takes single-purpose prepaid car d consumption as the research object,using case study,comparative study and other methods to analyze the legal nature of single-purpose prepaid card consumption.The m ain ideas of the article are as follows: Firstly,based on the jurisprudence analys is of prepaid card consum ption,the legal nature of single-purpose prepaid card consumption is clarified.Secondly,in view of the judicial cases in p ractice,the article elicits the problems in practice of single-purpose prepaid card consumption in China,and anal yzes the legislation and regulation status quo of single-purpose prepaid card consum ption.Thirdly,the relatively m ature legal systems of prepaid cards in Hong Kong,Taiwan,the U nited States and Japan are introduced in order to provide som e references for the legal system of single-purpose prepaid card consum ption in China.Finall y,from the legis lative,judicial and administrative aspects,this article put fo rwards some suggestions on the construction and improvement of the legal regulation of single-purpose prepaid card consumption in China.The construction and improvem ent of the legal regulation of single-purpose prepaid card consum ption is the inevit able requirement of China’ s economic development.On the one hand,it can achieve th e relatively integrated of the theoretical research of single-purpose prepaid card c onsumption;on the other hand,it can protect the lawful rights and interests of cardholders,stabilizing the market competition order,promoting the healthy development of China’s payment system.