發(fā)布時間：2018-04-10 19:01

  本文選題：儲值卡 + 電子貨幣��； 參考：《山東大學(xué)》2015年碩士論文

【摘要】：隨著現(xiàn)在經(jīng)濟的持續(xù)發(fā)展,以及高科技的迅猛發(fā)展,互聯(lián)網(wǎng)行業(yè)更是異軍突起,這種種的外部環(huán)境使得我國的電子支付逐漸成為現(xiàn)代支付行業(yè)的主流軍。而以此為基礎(chǔ)的商業(yè)儲值卡便順形勢而生,并逐步滲透到人們生活的各方各面。這種新興的商業(yè)儲值卡與我們傳統(tǒng)的支付方式相比較而言,有著非常明顯的優(yōu)勢：使用方便、靈活；因為消費者預(yù)付資金從而能夠讓商家提前回籠資金等等。當(dāng)前,商業(yè)儲值卡市場需求較大,使得商業(yè)儲值卡的形式多種多樣,成為商家爭取消費者的主要手段。在這種形勢下,越來越多的金融機構(gòu)、商業(yè)機構(gòu)以及企業(yè)開始關(guān)注商業(yè)儲值卡。同時,儲值卡的廣泛應(yīng)用,雖然給社會公眾消費購物帶來便利,但是,由于相關(guān)法律法規(guī)的不完善,隨著儲值卡尤其是多用途儲值卡的應(yīng)用和普及,沉淀資金、企業(yè)信用、清算風(fēng)險等各種問題和風(fēng)險也隨之而來,甚至不法分子的黑手也已趁機伸入到儲值卡相關(guān)業(yè)務(wù)領(lǐng)域中來,目前已出現(xiàn)了利用儲值卡進行套現(xiàn)和洗錢等違法違規(guī)行為,給儲值卡業(yè)務(wù)發(fā)展帶來了不利影響。儲值卡也存在明顯的弊端。由于政策、法律以及制度的滯后性,商業(yè)儲值卡市場混亂,主要表現(xiàn)為：沒有嚴(yán)格的市場準(zhǔn)入制度；缺乏完善的監(jiān)管監(jiān)督；商業(yè)儲值卡法律方面的缺失等。這些弊端使得消費者的權(quán)益難以得到有效的保障,嚴(yán)重阻礙了儲值卡的發(fā)展。新興事物在其發(fā)展的初期必定會存在著各方面的問題。商業(yè)儲值卡作為一種新型的支付模式也同樣如此。目前,我國對商業(yè)儲值卡的理論研究、實踐研究相對較少,商業(yè)儲值卡的定義、分類以及性質(zhì)還存在著不同的看法。在市場管理的層面上,政府相關(guān)的管理部門沒有充分發(fā)揮主要的監(jiān)管、管理、規(guī)范作用。在這種前提下,本文在研究相關(guān)文獻(xiàn)的基礎(chǔ)上,從目前商業(yè)儲值卡市場的發(fā)展情況入手,分析我國儲值卡發(fā)展的現(xiàn)狀,并對山東省儲值卡發(fā)展的狀況進行了簡要的分析,剖析儲值卡存在的問題,同時對當(dāng)前存在的問題提出一些解決的措施。本文的框架如下,且全文的主要內(nèi)容共有以下七個部分：第一部分為緒論,詳細(xì)介紹了本文的研究背景、意義以及研究的內(nèi)容；第二部分詳述了關(guān)于儲值卡研究,對儲值卡定義、分類、基本特征、產(chǎn)生原因進行了詳細(xì)的分析；第三部分是對我國儲值卡實地考察后進行的歸納總結(jié)和現(xiàn)狀分析,并對山東省的儲值卡現(xiàn)狀進行了調(diào)查,分析當(dāng)前儲值卡行業(yè)存在的問題；第四部分是基于排隊模型的儲值卡沉淀資金研究；第五部分針對當(dāng)前儲值卡的現(xiàn)狀以及存在的問題提出一些解決的措施和建議,提出了五點關(guān)于加強保障儲值卡預(yù)付資金安全的措施和監(jiān)管建議,包括建立完善的監(jiān)管體系制度、嚴(yán)格控制市場準(zhǔn)入、規(guī)范儲值卡發(fā)行機構(gòu)業(yè)務(wù)操作范圍、實行資金第三方托管制度、建立信用檔案等措施；第六部分是儲值卡前景分析；第七部分是總結(jié)。
[Abstract]:With the continuous development of the economy now, and the rapid development of computer technology, the Internet industry is the external environment A new force suddenly rises., the electronic payment in China has gradually become the mainstream in the modern payment industry. And on the basis of the business card is smooth and the situation, and gradually penetrated into all aspects of life people this new business cards compared with the traditional payment method, has obvious advantages: easy to use, flexible; because consumers of prepaid funds so as to allow merchants to return the funds in advance and so on. At present, the commercial prepaid card market demand is large, the business card in a variety of forms, become the main means for businesses consumers. In this situation, more and more financial institutions, businesses and enterprises began to focus on business cards. At the same time, stored value cards widely Although, to the public consumer shopping convenience, but because of the imperfect laws and regulations, especially with the card application and the popularization of MPCs precipitation funds, enterprise credit risk, clearing various problems and risks attendant, even the black hands of criminals have also took the opportunity to extend into the card related in the field of business, at present there are cards for cash and money laundering and other illegal acts to use stored value cards, adversely affecting business development. Card also has obvious disadvantages. Because the policy lag, the law and system, the commercial prepaid card market confusion, the main performance is: there is no strict market access system; lack of supervision supervision; legal aspects of the lack of business cards and so on. These problems make the interests of consumers can be effectively guaranteed, seriously hampering the reservoir The value of card development. New things will exist in all aspects of the problem in the early stage of its development. Business card as a new payment mode is the same. At present, China's theoretical research on business cards, the practice research is relatively small, the definition of business cards, classification and properties still exist different views. In the market management level, relevant government departments did not give full play to the main supervision, management, normative role. In this context, based on the relevant literature, starting from the current development situation of the commercial prepaid card market, analysis of the current situation of the development of China's prepaid card, and the the development of Shandong Province, the status of cards were analyzed briefly, analyzes the card problems, and puts forward some measures to solve the current problems. The framework is as follows, and the main content There are the following seven parts: the first part is the introduction, introduces the research background, significance and contents of the study; the second part details the research on cards, definition, classification of cards, basic characteristics, the causes are analyzed in detail; the third part is the summary and status analysis I in the card after on-the-spot investigation, and the Shandong province card status quo survey and analysis of the current card industry problems; the fourth part is the queuing model of prepaid cards based on the precipitation of funds; the fifth part puts forward some countermeasures and advices to the current status quo of prepaid cards and the existing problems, put forward the five point on strengthening the protection of prepaid funds safety measures and regulatory proposals, including the establishment of the system of supervision system, strictly control the market access standard value storage card The issuer operating range, the capital of third party custody system, the establishment of credit archives and other measures; the sixth part is the prospect of the stored card; the seventh part is the summary.

【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F721

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本文編號：1732500