储值卡的支付信用风险问题探析

近年来,许多地区发生了储值卡支付信用风险事件.这主要是因为当前购物卡监管制度缺失,商家可以不受限制发行储值卡募集资金,从而引发支付信用风险.本文从厦门储值卡支付信用风险事件,深入分析储值卡发展状况,剖析储值卡存在的问题,同时借鉴国外储值卡管理经验,提出制定储值卡管理法规、明确储值卡监管主体等,加强储值卡支付信用风险管理的对策建议.

On the Payment Credit Risk of Stored-value Cards

Incidents concerning the payment credit risk of stored-value cards have occurred in many places in recent years,and the main reason for these incidents is the lack of corresponding regulations. Without being regulated,the companies can issue stored-value cards at will in order to collect capital. Starting from the case in Xiamen,the paper demonstrates the development of stored-value cards,and examines problems that may be brought about. By learning foreign experience of stored-value card management,the pape...