本文選題：預(yù)付卡　切入點(diǎn)：本質(zhì)屬性　出處：《華東師范大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著信息技術(shù)的飛速發(fā)展,市場經(jīng)濟(jì)條件下商業(yè)活動日益豐富多樣,預(yù)付卡已經(jīng)成為順應(yīng)市場需求,活躍商業(yè)活動,提高支付效率的重要工具之一。我國預(yù)付卡的使用范圍和規(guī)模近幾年來也迅速擴(kuò)張,已經(jīng)遍布各個(gè)行業(yè),其名目之多用途之廣,已經(jīng)對廣大消費(fèi)者的社會生活和日常消費(fèi)產(chǎn)生了重大影響,成為廣泛使用的一種新型商業(yè)支付手段。 目前,我國對于預(yù)付卡的法律規(guī)范和監(jiān)管尚處于探索階段,由于相關(guān)的法律法規(guī)對此領(lǐng)域的規(guī)定十分滯后,造成預(yù)付卡的發(fā)行、流通與管理均比較混亂,發(fā)卡主體分散,存在較大的法律風(fēng)險(xiǎn)。2010年以來,隨著《非金融機(jī)構(gòu)支付服務(wù)管理辦法》等一系列法規(guī)的出臺,預(yù)付卡進(jìn)入了相關(guān)部門的監(jiān)管視線,預(yù)付卡行業(yè)迎來了監(jiān)管框架下新的發(fā)展階段。但是由于現(xiàn)有的法律位階較低,且未涉及單用途預(yù)付卡,因此對于預(yù)付卡的法律規(guī)制還未建立起一個(gè)完整的監(jiān)管體系,還有很大需要完善的空間。 本文主要通過明確預(yù)付卡的本質(zhì)屬性,介紹其他國家和地區(qū)對預(yù)付卡監(jiān)管方面的經(jīng)驗(yàn),來探析我國應(yīng)該如何建立起有利于消費(fèi)者權(quán)益保護(hù)、預(yù)付卡市場健康發(fā)展的法律規(guī)制體系。本文主要分為四個(gè)部分進(jìn)行闡述。第一部分,對預(yù)付卡的概念進(jìn)行界定,總結(jié)了目前學(xué)術(shù)界對于預(yù)付卡本質(zhì)屬性的五種學(xué)說,探析預(yù)付卡的本質(zhì)屬性,并介紹了預(yù)付卡的幾種主要分類。第二部分,分析預(yù)付卡在我國的發(fā)展現(xiàn)狀,并結(jié)合我國國情分析了預(yù)付卡存在的五種主要的法律風(fēng)險(xiǎn)。第三部分,整理歸納我國國內(nèi)關(guān)于預(yù)付卡的相關(guān)法律制度和監(jiān)管規(guī)定,并介紹預(yù)付卡在國外的發(fā)展過程,分析預(yù)付卡在其他國家和地區(qū)的法律規(guī)范和監(jiān)管制度。第四部分,借鑒其他國家和地區(qū)的法律制度和監(jiān)管經(jīng)驗(yàn),就如何建立起適應(yīng)我國預(yù)付卡發(fā)展的法律規(guī)范體系提出相關(guān)的建議,以期對我國預(yù)付卡制度的完善起到一定的促進(jìn)作用。
[Abstract]:With the rapid development of information technology, commercial activities are increasingly rich and diverse under the condition of market economy. Prepaid cards have become responsive to the needs of the market and active commercial activities. The scope and scale of prepaid cards in China have expanded rapidly in recent years. It has had a great impact on the social life and daily consumption of consumers, and has become a new commercial payment method widely used. At present, the legal norms and supervision of prepaid cards in our country are still in the exploratory stage. Due to the lag of the relevant laws and regulations in this field, the issuance, circulation and management of prepaid cards are confused, and the subjects of issuing cards are scattered. Since 2010, with the promulgation of a series of laws and regulations, such as "measures for the Administration of payment Services of Non-Financial institutions", prepaid cards have entered the regulatory line of view of relevant departments. The prepaid card industry has ushered in a new stage of development under the regulatory framework. However, due to the low level of existing laws and the absence of single-purpose prepaid cards, the legal regulation of prepaid cards has not yet established a complete regulatory system. There is still a lot of room for improvement. By clarifying the essential attributes of prepaid cards and introducing the experiences of other countries and regions in regulating prepaid cards, this paper explores how to establish a favorable protection of consumers' rights and interests in China. This paper is divided into four parts to elaborate. The first part defines the concept of prepaid card and summarizes five theories about the essence of prepaid card. This paper analyzes the essential attribute of prepaid card, and introduces several main categories of prepaid card. The second part analyzes the development of prepaid card in our country, and analyzes five main legal risks of prepaid card according to the situation of our country. Sorting out and summarizing the relevant laws and regulations on prepaid cards in China, introducing the development process of prepaid cards abroad, and analyzing the legal norms and regulatory systems of prepaid cards in other countries and regions. Part 4th, Based on the legal system and supervision experience of other countries and regions, this paper puts forward some suggestions on how to set up a legal standard system to adapt to the development of prepaid card in China, in order to promote the perfection of prepayment card system in China.
【學(xué)位授予單位】：華東師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：D922.28;F832.2

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本文編號：1559230