Xinhua Shanghai Feb. 16 (Xinhua Zhou Lin, Shuo Li, Yao Yujie) whether it is Chinese New Year gifts, send end of the year award, or the ordinary day holiday costs, and human exchanges, gift cards play in people's lives increasingly important role. At the same time, the shopping card Internationally gift cards to China Why some taste to it? Confusion in the market stems from the thing itself, or the regulatory loopholes? This reporter conducted an investigation.
shopping card behind the sound. Press to return home to see the Spring Festival in Hefei, Wuxi and other cities, major supermarket and department store shopping card business group of very enthusiastic, many businesses hit 10 million to buy 2,000 shopping card you can enjoy the benefits of the promotions. The Lantern Festival, before the big shopping malls in major cities in the Yangtze River Delta, card issuers are very prosperous business.
Press survey found that the flow of the market, there are three main types of gift cards: one single consumer card, the retail businesses (such as Carrefour, Wal-Mart, etc), specialty chain of businesses (Best Buy, Suning Appliance Chain business, beauty salon and fitness sector enterprises) and other distribution, its business only in their use; a payment by a professional card companies, typically above ��˹���ؿ� so many special operators in the household use; there is a number of merchants can only use, but also the company's department stores in their use, such as Beijing and the letter of the business capital of the cards and so on.
, shopping cards and easy to carry, and can be invoiced and become the first choice for gifts.
fact, halt As early as 1991, the State Council issued the , 1998 and 2001, regulatory authorities also issued a number of prohibitions and regulations, but the effect is immune satisfactory.
Press survey found that gift cards repeated, because behind a in what they need, all-win.
the major card issuers for their own shopping malls or restaurants, beauty, fitness companies, card issuers can not only lock the customer in advance to obtain large amounts of cash flow, but also the shopping card expired, damaged, giving up a fraction of other reasons, Consumer access to overdue balance. It is estimated that the proportion of issuing 8% -16% of the total, which is not withdrawn from circulation is also considerable interest cash flow.
for third-party card issuers, help the business card, you can get 1% -3% of the rebate, and this ratio with the recent increase is still a strong card issuers, including restaurants, beauty and other service enterprises the highest rebate percentage can even reach 20%.
huge market demand, but also gave birth to the shopping card benefits the third chain ring - the shopping card for a living reselling the Xujiahui shopping district in Shanghai, a major shopping centers reselling (supermarket) shopping card 5 discount sales price. / p>
seems beneficial to all of the shopping card, but it has many loopholes and hidden risks. Tongji University School of Law, Associate Professor Liu Chunyan that shopping card market generated substantial cash flow each year is equivalent to a huge business operating space.
Human rights can not be guaranteed.
owned by the Koos Group of Beijing, for example, the issue of The website information resources and information display, in addition to shopping card business, finance and information group is also involved in security, pawn, department stores and other businesses in the capital markets and capital letters are also frequently seen in the figure. An industry of anonymity said:
industry said, companies will invest in high-risk precipitate high-return industries, such as stocks or funds such as lending, it may result in loss of company funds investment strand breaks, causes huge losses to consumers. Because many third-party card issuers to the registered capital is not high, if there is financial loss, it may not be enough to make up for the loss of the cardholder.
now, most third-party card issuers, and no clear disclosure of capital flows, only Alipay Alipay clear that the money is deposited in bank account, there have been interest generated inside wait until the policy to clarify its ownership, as at present, for the third party to absorb the
shopping card market to the
2010 �� 6 and 12 months, the People's Bank of China have developed a send payment services statistical reports and financial accounting reports and other information, customers may not accept the excess reserves by the amount invoiced and a series of measures.
Liu Chunyan that banks need to deposit reserve ratio, risk isolation and a series of regulatory measures to protect the safety of customer deposits, card issuers should also take similar regulatory measures. For the upcoming licensing agencies, funds should be regularly disclosed to; to strictly limit the the transition period and then choose the shut down.
Research Center, Chinese e-commerce analyst Fang Ying Chi believes that policy should be defined as soon as possible >
shopping card for a money-laundering, corruption and accusations of tools, the Chinese People's University Law School professor, said Ye Lin, shopping cards and no necessary connection between corruption, not because of bribery, bribery and other corruption, to deny the prepaid consumption legitimacy,
Ye Lin suggested the one hand, gift cards should be issued to strengthen the supervision of qualified units, and gradually sort out the current confusion on prepayment card market; the other hand, we may learn the practice of other areas, to guide businesses to select multiple kinds of forms of security. All releases may be required, such as prepaid gift cards to pay the unit specifically to deal with a certain margin to account the size and distribution of the issuing unit's net assets determined in a certain proportion, to protect the legitimate rights and interests of consumers. As for the irregularities and other issues which arise, it is another subject, treatment should be to check unhealthy tendencies and so on.
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