本文選題：預(yù)付卡 + 定價(jià)　； 參考：《武漢大學(xué)》2012年博士論文

【摘要】：當(dāng)前,在美債危機(jī)與歐洲危機(jī)的背景下,預(yù)付卡作為刺激金融服務(wù)業(yè)發(fā)展的手段之一,在國(guó)內(nèi)外被廣泛運(yùn)用,促使預(yù)付卡在國(guó)內(nèi)外快速發(fā)展。伴隨預(yù)付卡在我國(guó)的廣泛使用,其風(fēng)險(xiǎn)問(wèn)題也日趨嚴(yán)峻： 首先,從發(fā)卡機(jī)構(gòu)、收單機(jī)構(gòu)、卡組織以及商戶來(lái)說(shuō),風(fēng)險(xiǎn)主要表現(xiàn)為預(yù)付卡的定價(jià)問(wèn)題,即預(yù)付卡市場(chǎng)應(yīng)該如何定價(jià),才能使消費(fèi)者能夠接受預(yù)付卡,使商戶愿意受理預(yù)付卡,同時(shí),發(fā)卡機(jī)構(gòu)、收單機(jī)構(gòu)、卡組織以及商戶等能夠獲得利潤(rùn)。 其次,風(fēng)險(xiǎn)表現(xiàn)為發(fā)卡機(jī)構(gòu)損害消費(fèi)者的利益。預(yù)付卡發(fā)行機(jī)構(gòu)給消費(fèi)者帶來(lái)的風(fēng)險(xiǎn)主要表現(xiàn)為：玩失蹤；玩點(diǎn)子；玩縮水以及玩四定(定消費(fèi)金額、定消費(fèi)地點(diǎn)、定消費(fèi)時(shí)間與定消費(fèi)范圍)。對(duì)損害消費(fèi)者利益的發(fā)卡機(jī)構(gòu)應(yīng)該如何進(jìn)行監(jiān)管呢?在我國(guó)提出第三方支付條例的背景下,第三方支付是否能夠解決上述問(wèn)題呢?本文將研究上述問(wèn)題。 最后,從宏觀層面來(lái)說(shuō),我國(guó)預(yù)付卡行業(yè)的相關(guān)法律、法規(guī)并不健全。預(yù)付卡在一定程度上能夠代替貨幣進(jìn)行小額支付,這會(huì)對(duì)中央銀行的貨幣政策等帶來(lái)影響。那么應(yīng)該如何防范和監(jiān)管預(yù)付卡帶來(lái)的宏觀風(fēng)險(xiǎn)呢?這也是本文將研究的問(wèn)題之一。 總之,隨著預(yù)付卡在我國(guó)的蓬勃發(fā)展,上述三方面的問(wèn)題迫切需要理論界進(jìn)行研究并提出相應(yīng)的對(duì)策。我國(guó)在發(fā)展預(yù)付卡產(chǎn)業(yè)時(shí),首先可以借鑒國(guó)外預(yù)付卡發(fā)展和管理的經(jīng)驗(yàn),同時(shí)要考慮其在我國(guó)的適應(yīng)性問(wèn)題。在加強(qiáng)監(jiān)管的同時(shí),有必要結(jié)合我國(guó)的現(xiàn)實(shí)社會(huì)和經(jīng)濟(jì)發(fā)展情況來(lái)進(jìn)行理論分析,提前采取措施來(lái)規(guī)避風(fēng)險(xiǎn)的發(fā)生。所以,當(dāng)前研究我國(guó)預(yù)付卡發(fā)展的經(jīng)濟(jì)風(fēng)險(xiǎn)具有很強(qiáng)的理論和現(xiàn)實(shí)意義。 論文由八章構(gòu)成。 第一章是導(dǎo)論。本章闡述了論文選題的背景、研究意義以及國(guó)內(nèi)外研究的現(xiàn)狀,并對(duì)論文研究的思路、結(jié)構(gòu)、主要內(nèi)容、研究方法和可能存在的研究創(chuàng)新等進(jìn)行了介紹。 第二章是銀行卡與預(yù)付卡的相關(guān)理論研究。該章首先分析了銀行卡與預(yù)付卡的起源與理論基礎(chǔ),然后分析風(fēng)險(xiǎn)的內(nèi)涵與風(fēng)險(xiǎn)計(jì)量的方法,最后分析銀行卡與預(yù)付卡風(fēng)險(xiǎn)的相關(guān)理論。 第三章是預(yù)付卡風(fēng)險(xiǎn)研究。本部分首先分析預(yù)付卡定價(jià)與定價(jià)風(fēng)險(xiǎn)。然后分析預(yù)付卡帶來(lái)的微觀風(fēng)險(xiǎn),如信用風(fēng)險(xiǎn)、欺詐風(fēng)險(xiǎn)和安全風(fēng)險(xiǎn)等。再次,分析預(yù)付卡帶來(lái)的宏觀風(fēng)險(xiǎn),如預(yù)付卡對(duì)中央銀行地位的影響、預(yù)付卡對(duì)貨幣供給和需求的影響、對(duì)貨幣政策最終目標(biāo)的影響、對(duì)商業(yè)銀行業(yè)務(wù)的影響、對(duì)支付清算系統(tǒng)的影響等。最后,該部分分析預(yù)付卡帶來(lái)的反洗錢(qián)風(fēng)險(xiǎn)。 第四章是預(yù)付卡風(fēng)險(xiǎn)實(shí)證研究。本部分首先通過(guò)案例分析了我國(guó)預(yù)付卡微觀風(fēng)險(xiǎn)的信用風(fēng)險(xiǎn)與欺詐風(fēng)險(xiǎn)。然后實(shí)證研究了預(yù)付卡對(duì)貨幣供給量以及中央銀行鑄幣稅的影響。 第五章是我國(guó)預(yù)付卡市場(chǎng)發(fā)展歷程、存在問(wèn)題與監(jiān)管現(xiàn)狀。該部分首先分析了我國(guó)預(yù)付卡發(fā)展歷程,然后探討我國(guó)預(yù)付卡市場(chǎng)發(fā)展現(xiàn)狀與存在問(wèn)題。最后,本部分分析我國(guó)預(yù)付卡市場(chǎng)監(jiān)管的現(xiàn)在與存在的問(wèn)題。 第六章是預(yù)付卡監(jiān)管的部分國(guó)際經(jīng)驗(yàn)研究。本部分首先探討了美國(guó)、日本、歐盟與新加坡等國(guó)家的預(yù)付卡監(jiān)管經(jīng)驗(yàn)。然后對(duì)比分析這些監(jiān)管經(jīng)驗(yàn)。最后,本部分分析這些監(jiān)管經(jīng)驗(yàn)的借鑒意義。 第七章是我國(guó)預(yù)付卡監(jiān)管與發(fā)展建議。本部分首先提出應(yīng)該加快預(yù)付卡監(jiān)管立法來(lái)應(yīng)對(duì)預(yù)付卡風(fēng)險(xiǎn),然后提出完善預(yù)付卡風(fēng)險(xiǎn)管理體系來(lái)進(jìn)一步加強(qiáng)對(duì)風(fēng)險(xiǎn)的管理。再次,該部分提出構(gòu)建競(jìng)爭(zhēng)性的預(yù)付卡市場(chǎng)來(lái)促進(jìn)預(yù)付卡市場(chǎng)的發(fā)展。最后,本部分提出應(yīng)該進(jìn)行預(yù)付卡市場(chǎng)的產(chǎn)品與服務(wù)創(chuàng)新來(lái)應(yīng)對(duì)風(fēng)險(xiǎn)和保持預(yù)付卡市場(chǎng)的平穩(wěn)發(fā)展。 最后一章是結(jié)論與展望。本部分首先對(duì)全文研究的結(jié)論進(jìn)行了總結(jié)。然后提出本文研究恭貢獻(xiàn),進(jìn)而提出后續(xù)研究展望。
[Abstract]:Currently, in the United States debt crisis and European crisis, as one of the prepaid card to stimulate the development of the financial services industry, widely used at home and abroad, the prepaid card at home and abroad. With the rapid development of the prepaid card is widely used in our country, the risk is becoming more and more serious:
First of all, from the credit card issuers, acquirers and card organizations and businesses, the risk mainly pricing problem for the prepaid card, prepaid card market is how to pricing, to enable consumers to accept prepaid card, prepaid card that merchants are willing to accept, at the same time, issuers, acquirers, merchants and card organizations can make a profit.
Secondly, the risk for issuers to harm the interests of consumers. The risk of prepaid card issuers to give consumers the main performance is: disappeared; play and play by play ideas; shrink (the amount of consumption, consumption of fixed location, fixed time consumption and consumption range). The card issuer to harm the interests of consumers should be how to do the third party payment regulation? Proposed regulations under the background of China, the third party payment whether can solve the above problems? This paper will study the above problems.
Finally, from the macro level, the relevant legal profession prepaid card in our country, the laws and regulations are imperfect. The prepaid card can be used instead of money for small payments to a certain extent, it will affect the central bank's monetary policy. So how to prevent and control the risk to the macro prepaid cassette? This is studied in this paper one of the problems.
In short, with the prepaid card boom in China, the three aspects of the problem urgently needs the theory research and put forward the corresponding countermeasures. In the development of China's prepaid card industry, we can learn from foreign prepaid card development and management experience, at the same time to consider the adaptability problem in our country. In strengthening supervision at the same time, it is necessary to combine the reality of social and economic development of our country to carry on the theory analysis, due to take measures to avoid risks. Therefore, it has strong theoretical and practical significance of the study of the development of prepaid card economic risk.
The paper is composed of eight chapters.
The first chapter is an introduction. This chapter describes the background, significance and current research situation of the thesis, and introduces the train of thought, structure, main contents, research methods and possible research and innovation of the research.
The second chapter is the related theoretical research of bank card and prepaid card. This chapter first analyzes the origin and theoretical basis of bank card and prepaid card, then analyzes the connotation of risk and the method of risk measurement, and finally analyzes the related theories of bank card and prepaid card risk.
The third chapter is the research on the risk of prepaid card prepaid card. Part of the first analysis of pricing and pricing risk. Then risk analysis of micro prepaid card brings, such as credit risk, fraud risk and security risk. Thirdly, analyzing the macro risk brought by the prepaid card, prepaid card such as the impact on the position of the central bank, influence on currency prepaid card supply and demand, influence on the ultimate goal of monetary policy, the influence for commercial banks, to pay liquidation system. Finally, the part of the prepaid card brings the anti money laundering risk.
The fourth chapter is the empirical research of prepaid card risk. First, we analyze the credit risk and fraud risk of our country's prepaid card risk by case study. Then we empirically study the impact of prepaid card on money supply and central bank seigniorage.
The fifth chapter is the development of prepaid card market in China, the existing problems of the supervision of the status quo. The first part of the development process of China's prepaid card, prepaid card and discusses the market development status of our country and existing problems. Finally, this part analyzes the market supervision of prepaid card in our country at present and existing problems.
The sixth chapter is part of the international experience research on prepaid card regulation. This section first discusses the experience of prepaid card supervision in the United States, Japan, the European Union and Singapore, and then compares and analyzes these regulatory experiences. Finally, this part analyzes the reference experience of these regulatory experience.
The seventh chapter is the regulation and development of prepaid card suggestions. This part first proposed should speed up the prepaid card supervision legislation to deal with the risk of a prepaid card, prepaid card and then put forward a sound risk management system to further strengthen the management of risks. Thirdly, this part puts forward the competitive prepaid card market to promote the development of the prepaid card market. Finally, this part puts forward the innovative products and services should be prepaid card market to deal with the risks and maintain the stable development of the prepaid card market.
The last chapter is the conclusion and prospect. In the first part, the conclusions of the full text are summarized. Then, the contribution of this research is presented, and then the follow-up research prospect is put forward.

【學(xué)位授予單位】：武漢大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2;F721

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本文編號(hào)：1736662