日本预付卡法律制度及对我国的借鉴意义  

Legal System of Prepaid Card in Japan and Its Reference to China

作　　者：杜晓宇 

机构地区：[1]中国支付清算协会,北京100033

出　　处：《金融发展研究》2012年第10期56-59,共4页Journal Of Financial Development Research

摘　　要：中国人民银行于2010年出台《非金融机构支付服务管理办法》,将发行多用途预付卡纳入审批范畴,但是我国目前关于预付卡管理的规范尚不健全。本文对日本2010年出台的《资金结算法》中关于预付卡的定义、登记、发行、保证金、行业自律等制度进行了阐述,结合日本预付卡法律制度的经验,提出了对我国预付卡管理的相关建议。In 2010, the People＇s Bank of China （PBC） issued Administrative Measures for the Payment Services Provided by Non-financial Institutions, and it regulates that issue of multi-purpose prepaid card must obtain administrative permit. However, the legal system of prepaid card is not complete in our county. This paper is based on the law of funds settlement in Japan, which issued in 2010, and describes the regulations of definition, issue, registration, industry self-regulation about prepaid card. According to the legal system of prepaid card in Japan, it puts forward some suggestions and considerations to reg- ulate prepaid card in our county.

关 键 词：第三方支付 预付卡 法律制度 

分 类 号：F830[经济管理—金融学]