数字化改革背景下单用途预付卡资金监管分析及建议——以浙江为例

Analysis and Suggestions on the Supervision of Single purpose Prepaid Card Funds under the Background of Digital Reform in Zhejiang Province

经营者出于稳定客源及回笼资金等目的发行单用途商业预付卡,然而预收资金可能被用于其他投资项目、门店盲目扩张等,进而导致经营者无法向消费者履约的风险。本文基于浙江省数字化改革的背景,结合浙江省杭州富阳区、台州椒江区、宁波鄞州区等地单用途预付卡数字化监管平台实践分析,从完善预付卡法律法规、完善资金监管模式、压实各参与方职责、降低经营者抵触心理及提高消费者监督意识等五个方面给予优化建议,以期对浙江省数字化改革有所帮助。

The operators issue single purpose commercial prepaid card for the purposes of stable guest source and recoup funds,however the fund received in advance may be used in other investment projects,blind expansion of stores,etc.which in turn leads to the risk that the operators cannot perform the performance to the consumers.This paper is based on the background of Zhejiang Province’s digital reform,and combined with a practical analysis of regulatory platforms for digitalization of single purpose commercial prepaid card in Fuyang District,Hangzhou City,Jiaojiang District,Taizhou City,and Yinzhou District,Ningbo City.Give optimization suggestions from five aspects:improving prepaid card laws and regulations,improving fund supervision mode,implementing the responsibilities of each participant,reducing operators’ resistance psychology and improving consumers’ supervision awareness,in order to help digital reform in Zhejiang Province.