Go homepage(回首页) Upload pictures (上传图片) Write articles (发文字帖)
The author:(作者)delvpublished in(发表于) 2014/1/23 8:58:30 Shanghai Municipal People’s Congress proposed to set up a prepaid card system third-party custody
Representative recommends the adoption of legislation strengthening supervision of the prepaid cards to avoid "Mary flower and slimming" consumer rights after the event. /Morning news reporter Xiaoyun
Talk about soldier--Director of Jiading district, municipal people's Congress, the Commission
Morning news reporter Wu Fei Dai Zhendong
Morning news meeting Shanghai NPC reported the don't forget little things in the series, reported leading the body enterprise "Mary flower and slimming" sudden closing of stores in Shanghai, a large number of prepaid funds could not be recovered, public activist long news. On the NPC this year, Jiading district, municipal people's Congress, Commission Director Tan Bing shares the concerns about the issue and to submit written observations, recommends strengthening supervision of the single-purpose prepaid commercial cards.
Permissions should be defined in the regulations
"To enhance the single-use commercial prepaid card management, maintaining the legitimate rights and interests of the parties, and guard against financial risks, the Department of Commerce has developed the single-use commercial prepaid card management procedures (trial implementation) (hereinafter referred to as the rules). The methods implemented on November 1, 2012, the core content is an exercise system, registration and finance custody regimes, respectively. "Tan Bing said," but the methods implemented for over a year, and exposed many problems during the actual operation. Like last year, leading the body enterprise "Mary flower and slimming" sudden closing of stores in Shanghai, a large number of prepaid funds could not be recovered, consumer rights have been greatly damaged. Strengthening supervision of the single-use commercial prepaid card deserves the Government's relevant departments thought. ”
In his view, the current problem, one is regulatory permission to appear on the defining differences between the sectors. "The approach requires only that the business sector to engage in retail trade, accommodation, catering, residential services these 3 Industries Corporation, selling and regulating behavior. In addition to this, exists, sale card of enterprise legal persons and individual businessmen are still monitored by the departments of industry and commerce. However, the behavior of the business enterprise is widespread across industries, like ' Ma takes body ' is due to both the business sector and the industrial and commercial sector think that the other side is not caused by the regulatory conditions for registration. In this way, easily lead to finger-pointing between departments and regulatory vacuum, confuse consumers are disoriented and tends to be long complaint. ”
Of the financial regulation issues
While the methods on the provisions of the financial regulation, there are certain problems. Tan Bing said, while, approach under on other issuing enterprise only requires record registration, is not requires funds regulatory, however funds risk high of often is these not for funds regulatory requires of other issuing enterprise, business sector be record Hou, once occurred problem, Government will is passive; on the, approach under provides enterprise exists Bank of funds lines by enterprise according to Shang a quarter of received in advance funds balances for autonomous declared, Bank according to declared number according to provides of different proportion, for funds regulation supervision. Problem is, the approach on the enterprise is not a quarterly balance of funds received in advance for audit requirements that companies tend to be understated, in funding would not be left in the Bank, in the event of "run" incident, the consumer recover losses will be very limited.
Local legislative regulation
He therefore suggested that, first of all is the enactment of a local decree, regulating through legislation. "The proposed municipal Commerce Commission, the municipal industry and Commerce and other related departments to strengthen research, on this basis, to draw the city's enactment of a local decree, legislative regulation. Proposed legislation to expand the scope of regulation, hair, selling businesses in all industries and individual businesses all under regulation, and clearly a law enforcement stronger as a subject of law enforcement and other relevant sectoral Division of labor. While mass event is raised for easy card-issuing enterprises above designated size to require prior to his card by stakeholders such as shareholders, legal representative of the enterprise to guarantee the investment proportion, and assume unlimited liability. ”
He suggested that create PDF-single-use commercial third party prepaid card payment platform, establish a system of third party custody, save consumers money in the Bank, businesses signed with consumers to go to the Bank to receive the corresponding amounts, once empty, banks can balance card or directly to the consumer.
The best, and industry organizations, the establishment of issuing entry barriers. "The proposed Government-led, industry organizations, according to the various sectors to set up, sell a single-use commercial barriers of prepaid cards. At the same time, regulation by industry standard single-use card and the card agreement and to protect consumers ' interests. "Tan Bing said.
(Original title: representative suggested a third party custody of prepaid card system, guarantee the amount of the card is no longer "sudden evaporation")
代表建议通过立法加强预付卡监管，避免发生 “玛花纤体”事件后消费者维权难。/晨报记者 肖允
■谈兵——市人大代表、嘉定区经委主任
晨报记者 吴飞 戴震东
晨报迎接上海两会报道《莫忘小事》系列中，曾报道了因知名美体企业“玛花纤体”在沪多家门店突然关店，大量预付资金无法收回，市民维权路漫漫的新闻。今年人代会上，市人大代表、嘉定区经委主任谈兵也同样关注这个问题，并提出书面意见，建议加强单用途商业预付卡监管。
应界定各部门监管权限
“为加强单用途商业预付卡管理，维护当事人合法权益，防范资金风险，商务部制定了《单用途商业预付卡管理办法(试行)》(以下简称《办法》)。《办法》于2012年11月1日起正式实施，其核心内容是两项制度，分别是备案登记制度和资金存管制度。”谈兵说，“但《办法》实施一年多来，实际操作过程中暴露出许多问题。比如去年岁末，知名美体企业“玛花纤体”在沪多家门店突然关店，大量预付资金无法收回，消费者权益受到极大损害。如何加强单用途商业预付卡的监管值得政府相关部门深思。”
他认为，目前的问题，一是部门之间的监管权限在界定上出现分歧。“《办法》只要求商务部门对从事零售业、住宿餐饮、居民服务业这3个行业企业法人的发、售卡行为进行监管。除此之外，存在发、售卡行为的企业法人和个体工商户仍由工商等职能部门监管。然而，跨行业经营是企业十分普遍的行为，比如‘玛花纤体’就是因商务部门和工商部门均认为该由对方监管而造成了未备案登记的情况。这样一来，容易导致监管真空和部门之间的推诿扯皮，消费者也摸不清方向，往往要多头投诉。”
对资金监管规定存问题
同时《办法》在对资金监管的规定上存在一定问题。谈兵说，一方面，《办法》对其他发卡企业只要求备案登记，未要求资金监管，然而资金风险较高的往往是这些不作资金监管要求的其他发卡企业，商务部门予以备案后，一旦发生问题，政府将十分被动；另一方面，《办法》规定企业存在银行的资金额度由企业根据上一季度的预收资金余额进行自主申报，银行根据申报数按照规定的不同比例，进行资金调控监督。问题是，《办法》未对企业的上一季度预收资金余额数做审核要求，企业往往会少报，留存在银行中资金额度就不会很大，一旦发生“跑路”事件，消费者追回的损失也将十分有限。
地方立法加强监管
因此他建议，首先是要制定地方性法规，通过立法进行监管。“建议市商务委、市工商等相关职能部门加强研究，在此基础上，提请市人大制定地方性法规，立法加强监管。建议立法时扩大监管范围，将所有行业的发、售卡的企业和个体工商户全部纳入监管，并明确一个执法力量较强的部门作为执法主体，其他相关部门分工协作。同时对于容易引发群体性事件的规模以上发卡企业，立法强制其在发卡前由股东、企业法定代表人等出资方按出资比例进行担保，并承担无限责任。”
他同时建议，建立专项开发单用途商业预付卡第三方支付平台，建立第三方存管制度，把消费者预存的资金存在银行里，商家凭着消费者的签字去银行领取对应的金额，一旦出现人去楼空的情况，银行就可以直接把卡内余额还给消费者。
最好，还要发挥行业组织的力量，设立发卡准入门槛。“建议由政府牵头，发挥行业组织的力量，按照不同的行业类别设立发、售单用途商业预付卡的准入门槛。同时，按行业制定标准的单用途卡章程和购卡协议，保障消费者权益等。”谈兵说。
(原标题：代表建议设立预付卡第三方存管制度，保障卡内金额不再“突然蒸发”)
赞