本文選題：預付卡 + 定價��； 參考：《武漢大學》2012年博士論文

【摘要】：當前,在美債危機與歐洲危機的背景下,預付卡作為刺激金融服務業(yè)發(fā)展的手段之一,在國內(nèi)外被廣泛運用,促使預付卡在國內(nèi)外快速發(fā)展。伴隨預付卡在我國的廣泛使用,其風險問題也日趨嚴峻： 首先,從發(fā)卡機構(gòu)、收單機構(gòu)、卡組織以及商戶來說,風險主要表現(xiàn)為預付卡的定價問題,即預付卡市場應該如何定價,才能使消費者能夠接受預付卡,使商戶愿意受理預付卡,同時,發(fā)卡機構(gòu)、收單機構(gòu)、卡組織以及商戶等能夠獲得利潤。 其次,風險表現(xiàn)為發(fā)卡機構(gòu)損害消費者的利益。預付卡發(fā)行機構(gòu)給消費者帶來的風險主要表現(xiàn)為：玩失蹤；玩點子；玩縮水以及玩四定(定消費金額、定消費地點、定消費時間與定消費范圍)。對損害消費者利益的發(fā)卡機構(gòu)應該如何進行監(jiān)管呢?在我國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題呢?本文將研究上述問題。 最后,從宏觀層面來說,我國預付卡行業(yè)的相關法律、法規(guī)并不健全。預付卡在一定程度上能夠代替貨幣進行小額支付,這會對中央銀行的貨幣政策等帶來影響。那么應該如何防范和監(jiān)管預付卡帶來的宏觀風險呢?這也是本文將研究的問題之一。 總之,隨著預付卡在我國的蓬勃發(fā)展,上述三方面的問題迫切需要理論界進行研究并提出相應的對策。我國在發(fā)展預付卡產(chǎn)業(yè)時,首先可以借鑒國外預付卡發(fā)展和管理的經(jīng)驗,同時要考慮其在我國的適應性問題。在加強監(jiān)管的同時,有必要結(jié)合我國的現(xiàn)實社會和經(jīng)濟發(fā)展情況來進行理論分析,提前采取措施來規(guī)避風險的發(fā)生。所以,當前研究我國預付卡發(fā)展的經(jīng)濟風險具有很強的理論和現(xiàn)實意義。 論文由八章構(gòu)成。 第一章是導論。本章闡述了論文選題的背景、研究意義以及國內(nèi)外研究的現(xiàn)狀,并對論文研究的思路、結(jié)構(gòu)、主要內(nèi)容、研究方法和可能存在的研究創(chuàng)新等進行了介紹。 第二章是銀行卡與預付卡的相關理論研究。該章首先分析了銀行卡與預付卡的起源與理論基礎,然后分析風險的內(nèi)涵與風險計量的方法,最后分析銀行卡與預付卡風險的相關理論。 第三章是預付卡風險研究。本部分首先分析預付卡定價與定價風險。然后分析預付卡帶來的微觀風險,如信用風險、欺詐風險和安全風險等。再次,分析預付卡帶來的宏觀風險,如預付卡對中央銀行地位的影響、預付卡對貨幣供給和需求的影響、對貨幣政策最終目標的影響、對商業(yè)銀行業(yè)務的影響、對支付清算系統(tǒng)的影響等。最后,該部分分析預付卡帶來的反洗錢風險。 第四章是預付卡風險實證研究。本部分首先通過案例分析了我國預付卡微觀風險的信用風險與欺詐風險。然后實證研究了預付卡對貨幣供給量以及中央銀行鑄幣稅的影響。 第五章是我國預付卡市場發(fā)展歷程、存在問題與監(jiān)管現(xiàn)狀。該部分首先分析了我國預付卡發(fā)展歷程,然后探討我國預付卡市場發(fā)展現(xiàn)狀與存在問題。最后,本部分分析我國預付卡市場監(jiān)管的現(xiàn)在與存在的問題。 第六章是預付卡監(jiān)管的部分國際經(jīng)驗研究。本部分首先探討了美國、日本、歐盟與新加坡等國家的預付卡監(jiān)管經(jīng)驗。然后對比分析這些監(jiān)管經(jīng)驗。最后,本部分分析這些監(jiān)管經(jīng)驗的借鑒意義。 第七章是我國預付卡監(jiān)管與發(fā)展建議。本部分首先提出應該加快預付卡監(jiān)管立法來應對預付卡風險,然后提出完善預付卡風險管理體系來進一步加強對風險的管理。再次,該部分提出構(gòu)建競爭性的預付卡市場來促進預付卡市場的發(fā)展。最后,本部分提出應該進行預付卡市場的產(chǎn)品與服務創(chuàng)新來應對風險和保持預付卡市場的平穩(wěn)發(fā)展。 最后一章是結(jié)論與展望。本部分首先對全文研究的結(jié)論進行了總結(jié)。然后提出本文研究恭貢獻,進而提出后續(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.

【學位授予單位】：武漢大學
【學位級別】：博士
【學位授予年份】：2012
【分類號】：F832.2;F721

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本文編號：1736662