我国商业预付卡保证保险的法律构建

Legal Construction of Guarantee Insurance for Commercial Prepaid Card in China

目前商业预付卡发行环节把控不严、运营阶段较为混乱、监管现状不尽人意,消费者损失严重且难以获得救济。由此需引入第三方救济渠道,商业预付卡保证保险是最佳方式。该险种可分散消费风险、分担市场监管压力,加之已有的我国实践基础,因此具有推广可行性。建议扩大该险种的投保人与保障的范围,确定费率与交付时间,开发智能赔付系统,并赋予保险人财务救济选择权与资信审查义务,从而系统构建我国商业预付卡保证保险法律制度。

At present,the issuance of commercial prepaid cards is not strictly controlled,the operation stage is chaotic,the regulatory status quo is unsatisfactory,and consumers suffer serious losses and are difficult to obtain relief.Therefore,it is necessary to introduce the third-party relief channel,and the commercial prepaid card guarantee insurance is the best way.This kind of insurance can disperse the consumption risk,share the market supervision pressure,and combine with the practice basis of our country,so it has the feasibility of promotion.It is suggested that we should expand the scope of policy holder and insurance,determine the rate and delivery time,develop the intelligent compensation system,and endow the insurer with the option of financial relief and the obligation of credit review,so as to systematically construct the legal system of commercial prepaid card guarantee insurance in China.