非金融机构商业性储值的法律规制  

Legal Regulation of Commercial Store of Non-financial Institutions

作　　者：龚涛 GONG Tao

机构地区：[1]武汉大学法学院

出　　处：《西南交通大学学报（社会科学版）》2021年第3期135-145,共11页Journal of Southwest Jiaotong University(Social Sciences)

摘　　要：“先储值、后消费”的商业模式已经深入人心,无论是以购物卡、美发卡等为代表的消费性储值,还是以押金、卡费等为代表的担保性储值,亦或是以会员卡、健身卡等为代表的资格性储值,都兼具融资手段与锁定消费者的功能,会引起金融法和消费者法方面的问题。我国已经对非金融机构商业性储值的法律规制进行了有益探索,建立起初步的规制框架,但仍存在新旧规范冲突、双轨制规制模式不合理、资金管理制度不健全等问题。对此,应当在协调金融安全、效率与公平的基础上,清理相关规范性文件,将预付卡区别监管模式从以用途为核心转变为以资金规模为核心,建立宽严相济的储值资金管理制度,转变市场监管理念,健全市场退出机制,并完善法律责任体系。The business model of“storing before consumption”has been deeply rooted in the hearts of the people.Whether it is consuming store represented by shopping cards and barber cards,or the guaranteed store represented by deposits and card fees,or the qualified store represented by membership cards and fitness cards,they all have the function of financing and locking consumers;so it will cause concerns in financial law and consumer law.China has made some explorations on the legal regulation of commercial store of non-financial institutions,and established a preliminary regulatory framework.But there are still some problems,such as the conflict between new and old norms,unreasonable two-track regulation model,imperfect fund management system and so on.Therefore,on the basis of coordinating financial security,efficiency and fairness,we should clean up the relevant normative documents,reform the core of the differential supervision mode from the number of uses to the scale of funds,establish a stored value fund management system of combining justice with leniency,change the concept of market supervision,improve the market exit mechanism and the legal liability system.

关 键 词：商业性储值 非金融机构 预付式消费 金融市场监管 电子货币 第三方支付 资金管理 

分 类 号：D922.28[政治法律—经济法学] D922.294[政治法律—法学] F832[经济管理—金融学]