大数据时代单用途商业预付卡市场监管路径探析

Regulatory Path of Single-purpose Commercial Prepaid Card in the Big Data Era

随着市场主体数量的迅速增加和经济快速发展,单用途商业预付卡给市场交易双方提供了便利,但发行规模日益扩大,在发卡备案、信息监管、资金监管、行政执法、资金风险防范等方面给市场监管部门带来了诸多挑战。本文在行政执法实践经验的基础上,提出了做好源头管理,共享监管信息资源;落实备案制度,创新备案管理;加强日常监督,细化条款内容;规范资金存管,创新风控管理;政务流程再造,强化诚信体系等建议,进一步规范单用途商业预付卡市场主体行为,提高市场监管效率。

With the rapid increase of market entities and the rapid development of economy, single-purpose commercial prepaid cards provide convenience for both sides of market transactions.However, with the increasing issuing scale, many challenges have been brought to the market regulatory authorities in the aspects of card issuance, information supervision, capital supervision, administrative law enforcement and capital risk prevention. Based on the practical experience of administrative law enforcement, the author puts forward the following suggestions: strengthening source control and sharing regulatory information resources, implementing the filing system and innovating the filing management, strengthening daily supervision and laying down detailed terms and contents, standardizing fund management and innovating risk control management, reengineering government process and intensifying the integrity system. It is also important to further standardize the activities of market entities and improve the efficiency of market regulation.