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念好预付卡消费“监管经”

2017-08-15 07:52:15   中国青年网

如今,以打折优惠吸引消费者办理预付卡成为不少商家的营销方式。但以优惠捆绑营销方式的背后,存在着很大的风险。近日,商务部市场秩序司有关负责人表示,短期将开展联合检查,远期将尽快完善、理顺工作机制,进一步利用互联网、大数据、信用系统、联合治理等手段,完善预付卡监管。

目前,市场上流通的预付卡主要有三种类型:一是单店消费卡,只可在商家自己旗下门店使用;二是由专业发卡公司发放,可以在多个特约商户使用,也称为通用型卡;三是由银行与发卡公司合作推出的“银商合作型卡”。事实上,关于预付卡消费的“规矩”不可谓不多,只是这些完备的规矩在实践中却不能完全落实。比如,销售预付卡没有在商务部门备案的现象依旧存在;在利益驱动下,不少商家大量销售预付卡,并以此“圈钱”,资金链一旦断裂,不是玩失踪,就是玩转移消费;消费者辨识能力有限,无形中坠入商家的“霸王条款”,一旦遭遇如此陷阱,退卡几乎是一种奢望,维权更是难上加难。

从根本上说,预付卡存在的种种乱象是监管失灵所致。根据《单用途商业预付卡管理办法(试行)》规定,县级以上地方人民政府商务主管部门负责本行政区域内单用途卡监督管理工作。因此,相关部门必须履行好监管职能,根据发放预付卡行业的不同特点,制定相应监管方案、风险预防方案,通过建立第三方账户监管模式,确保预付卡资金安全。

念好预付卡消费“监管经”,需要确保各个环节都有章可循。同时,通过严厉打击非法行为等手段,扭转乱象丛生的局面。当然,作为消费者,也应理性、适度消费,仔细核对每一笔账单和余额,索要并保留相关票据;发现商家卷钱失踪,应立即向警方报案,以维护自己的合法权益。

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