我国预付卡反洗钱监管模式研究  

The Study on the Supervision Pattern of Pre-paid Cards Anti-money laundering

作　　者：康洋[1] 章承涛[1] 李艳华[1] 

机构地区：[1]中国人民银行兰州中心支行

出　　处：《西部金融》2012年第11期80-83,共4页West China Finance

摘　　要：预付卡能够减少现金使用、为公众支付结算提供方便,但由于持卡消费的匿名性、便利性特征,也给违法犯罪分子提供了可乘之机。随着预付卡市场的快速发展,利用预付卡非实名、流通领域广、现金替代性强等特性,将其作为转移资金替代工具的现象有所抬头。本文就如何加强预付卡反洗钱监管进行了探讨,并提出相关政策建议。Pre-paid cards can reduce the usage of cash and facilitate public settlement. But the characteristics of anonymity of card holders and convenience provide chances for criminals. With the rapid development of the pre-paid card market, pre-paid cards have been used to transfer fimds. The paper discusses how to strengthen the supervision on pre-paid cards anti.-money laundering, and puts forward relevant policy suggestions.

关 键 词：预付卡 反洗钱 监管模式 

分 类 号：F830.31[经济管理—金融学]