A Study On The Problems And Countermeasures Of Prepaid Card Supervision In Changzhou

In recent years,prepaid card plays a more and more important role in China's consumer market.Efficient and convenient payment methods simplify the traditional payment methods such as advanced and credit card,reduce transaction risk and improve the operation efficiency of the whole economic society.At the same time,due to many imperfections in the existing laws and regulations,supervision team and supervision methods of prepaid card consumption supervision,card issuers have not signed consumption contracts with every prepaid card recharging consumer in strict accordance with the existing laws,and there are frequent incidents in which businesses fail to provide promised goods or services to consumers in accordance with the agreement,but lack of consumption certificates in their hands Those who can only bear the loss in silence.According to the existing laws,the main body of the supervision of prepaid card consumption is the business departments at all levels.The unclear division of regulatory responsibilities,weak law enforcement,the lack of effectiveness of the filing system,and inadequate capital supervision and other reasons have resulted in a variety of difficulties in the current supervision of prepaid card consumption market in China.Prepaid cards play a very important role in the consumption field of Changzhou beauty and hairdressing industry,with a large number of issued cards and a large number of cardholders.However,prepaid card consumption disputes and cases of using prepaid cards to collect funds and run off the road occur from time to time,and consumers have not received corresponding compensation after calling the police or suing the court.Through literature review,on-the-spot interview and questionnaire survey,this paper first expounds the dilemma of prepaid card supervision in China,the investigation of Changzhou prepaid card consumer market and the existing problems,and analyzes the causes of the dilemma,such as unclear division of supervision responsibilities and relatively limited supervision scope.For this reason,by comparing the advanced management experience and prepaid card consumption mode of Japan and the United States,the author puts forward a regulatory system that defines the responsibilities of the regulatory body,with the commercial sector as the main body and the industrial and commercial and public security sectors as the auxiliary.At the same time,by increasing the scope of supervision of small and medium-sized enterprises,self-employed businesses and other operators,to improve the restrictions on the small prepaid card issuers.The author draws up a simple model text of prepaid membership card contract,which is used to restrain every card seller and provide consumers with proper protection at the same time.The author also makes a deposit system that can be accepted by both businesses and consumers through on-the-spot visits and in combination with the actual situation of the prepaid card sales in the beauty salon industry in Changzhou.Finally,through the construction of mutual cooperation between the government and industry associations,the construction of reporting and supervision mechanism,in order to make some contribution to the better development of Changzhou prepaid card consumer market through such a series of measures,To improve Changzhou prepaid card consumer market problems.