摘要
近年来,许多地区发生了储值卡支付信用风险事件,这主要是因为当前购物卡监管制度缺失,商家可以不受限制发行储值卡募集资金,从而引发支付信用风险。本文从厦门储值卡支付信用风险事件,深入分析储值卡发展状况,剖析储值卡存在的问题,同时借鉴国外储值卡管理经验,提出制定储值卡管理法规、明确储值卡监管主体等,加强储值卡支付信用风险管理的对策建议。
Incidents concerning the payment credit risk of stored-value cards have occun＇ed in many places in recent years, and the main reason for these incidents is the lack of corresponding regulations. Without being regulated, the companies can issue stored-value cards at will in order to collect capital. Starting from the case in Xiamen, the paper demonstrates the development of stored-value cards, and examines problems that may be brought about. By learning foreign experience of stored-value card management, the paper finally gives suggestions on how to strengthen the payment credit risk management of stored-value cards in China.
出处
《区域金融研究》
2009年第3期20-24,共5页
Journal of Regional Financial Research
关键词
支付结算
储值卡
支付信用风险
Payment and Settlement
Stored-value Card
Payment Credit Risk.
