单用途商业预付卡发行者违法行为的刑法规制

Criminal Law Regulation of Illegal Issuing of Single-purpose Commercial Prepaid Card

在我国目前的司法实践中,涉单用途商业预付卡发行者的违法案件通常通过民事诉讼或者行政处罚的方式解决。这样的处理方式,从结果上来看,不仅未能达到良好的监管效果,且无法从根本上防控单用途预付卡发行者在种种违法违规行为背后所蕴藏的刑事法律风险。因此,将刑法纳入到对单用途预付卡发行者的监管体系之中,从根本上提高发行者的违法成本,是解决单用途预付卡消费中发行者违法违规乱象的治本之策。

In the current judicial practice in China illegal issuing of single-purpose commercial prepaid card is usually solved by civil litigation or administrative punishment.In terms of results,this approach not only fails to achieve a good regulatory effect,but also can not fundamentally eliminate the legal risks.Therefore,including criminal law in the supervision system for the illegal issue of the single-purpose prepaid card and fundamentally increasing the illegal cost of the issuer are the fundamental solution to solve the illegal issuing of single-purpose prepaid consumption card.