对个体工商户受理信用卡业务制约因素的探析

为防止恶意套现,2009年8月央行出台了有关加强银行卡安全的文件,明确规定严格收单结算账户管理,禁止将特约商户（含固定电话支付业务的特约商户）的个人结算账户设置为信用卡收单账户。本文在对克拉玛依地区银行卡推广使用情况调查的基础上,阐释了关闭信用卡受理功能后对市民、商户造成的不利影响,分析了转开单位结算账户受理信用卡存在的成本较大、手续烦琐,且现金流动不便的问题,并提出了相关对策建议。

Obstable to Credit Card Acceptance by Private Franchise Business

To prevent malicious cash-out,the PBC issued a document on strengthening bank card security in August 2009.It was required that collection and settlement account must be strictly managed.Private franchise business(including private business with fixed telephone services) is prohibited to be credit collection account.Based on a survey on the promotion of bank card in Karamay,this paper explains the adverse impact on the public and private business caused by the closing of credit card acceptance function.It a...