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预付式消费卡逐渐开始成为日常生活中的支付手段,它具有携带方便,方便结算等优点,但是其本身也存在相当多的问题。随着近年来不断爆出消费者遭受商家侵害,蒙受损失,因此商务部出台了《单用途商业预付卡管理办法》,以及中国人民银行则出台了《支付机构预付卡业务管理办法》来规范预付式消费卡的运行和管理。然而,预付式消费卡的问题并没有完全的得到解决,要解决预付式消费卡的问题仍然是要依靠法律加以明确的规制来保证预付式消费卡市场的健康发展。
Prepaid consumer cards are gradually becoming the means of payment in daily life. They have the advantages of being easy to carry and convenient for settlement, but they also have quite a few problems. With the constant burst of consumers being infringed upon by businesses and suffering losses in recent years, the Ministry of Commerce issued the Measures for the Administration of Single-use Commercial Prepaid Cards and the People’s Bank of China promulgated the Measures for the Administration of Prepaid Cards in Payment Institutions to regulate prepayments Consumer card operation and management. However, the problem of prepaid consumer card is not completely solved. To solve the problem of prepaid consumer card, it is still necessary to rely on laws and regulations to ensure the healthy development of prepaid consumer card market.