预付购物卡市场中存在的问题和对策

Problems and Countermeasure of Prepaid Shopping Card Market

预付购物卡具有先付性、无因性、有限流通性等三个主要特征,同时具有支付便利和价格优惠等优点,但在使用过程中也存在违规发卡、逃避税收、滋生腐败和扰乱市场秩序等问题;经营管理不规范、法律法规不健全和监管机制缺失是产生该问题的主要原因;针对目前存在的问题和原因,本文提出从源头上把关、透明化使用和有效监管三个对策建议,以促进我国预付购物卡市场的健康发展。

The main features of the prepaid shopping card are prepayment, on - causality and limited liquid- ity. At the same time, it has payment convenience and price concessions simultaneously when used. Incidentally, there are a series of problems during use, for example, illegal card issue, tax avoidance, corruptions, and market disorder. Non- specification management, inadequate laws and regulations and lack of regulatory mechanism are the main reasons for the problems arising. With respect to the above problems and reasons, to promote the healthy development of the prepaid shopping card market, the paper gives the following suggestions： checking from the source, using the card transparently, regulating the Prepaid Shopping Card Market effectively.