Do Shopping Cards Need To Be Registered In Real Name? What Do Shenzhen Businessmen Say?
Real name system is
Shopping card
The policy "permit"?
A few days ago, the general office of the State Council pmitted the opinions on regulating the management of commercial prepaid cards jointly formulated by the 7 ministries and commissions such as the central bank.
market
。
The regulations will be issued.
business
What is the impact of the new deal? How about landing in Shenzhen? Can it effectively curb the problem of lax supervision in the prepaid card market, accept cards and take bribes?
The opinions require the establishment of a real name registration system for commercial prepaid cards.
For the purchase of registered commercial prepaid cards and the purchase of 10 thousand yuan (including or above) anonymous commercial prepaid cards, the card issuer shall be registered in real name.
A unit purchase card with a sum of more than 5000 yuan or a one-time purchase amount of more than 50 thousand yuan is not allowed to be used in cash. The nominal value of the prepaid commercial card is not more than 1000 yuan, and the nominal value of the registered commercial prepaid card is not more than 5000 yuan.
The impact of "New Deal" needs to be observed.
In recent years, China's prepaid card market has developed rapidly, and its convenience has also been greatly favored by the public.
According to the China Prepaid Card Industry Report 2010, as of the end of 2010, the domestic prepaid card funds in circulation reached 10925 billion yuan, with a paction volume of about 1 billion 750 million, but it has also become a hotbed of many bribes.
Previously, commercial prepaid cards were "unpopular" in the law. The explicit provision also implied that a "permit" issued on the policy should be regulated.
Affected by this, the profit volume of merchants in the prepaid card market will decrease.
On the 25 day, when the "opinions" came out, the stock market started a big wave. Many commercial retail stocks fell sharply, and Bailian shares, Ginza shares and friendship group fell 4.52%, 5.73% and 9% respectively.
According to the insiders, "at present, most businesses account for more than 20% of the total consumption of prepaid cards. The purchase of prepaid cards is equivalent to" interest free loans "for businesses. Moreover, many expired funds will also be directly used as business profits.
The loss of customers in this part will have a certain impact on business operation. "
"But this only reflects the panic of the market under the weak pattern, and how much impact it will bring to the commercial retail enterprises."
Some cattle businesses will also be affected by low-priced shopping cards.
In Dongmen pedestrian street, there are signs that "cattle" play a "high price recovery shopping card". Through the discount of 10 percent off or so, the shopping cards can be recovered, and a shopping card that requires more than 5000 yuan will be accepted.
It is understood that "cattle" sold the 10 percent off recycled shopping cards to other consumers, or to earn the difference between them, which has formed the gray industrial chain of shopping cards.
The prepaid card is restricted or will have a certain impact on the industry chain.
Or effective regulation of prepaid card chaos
"What did you do when you lost your card?" because before many prepaid cards were not registered, the loss of the card and how to get the money back inside it became a problem for many consumers.
The implementation of the real name system may solve this problem effectively, because the merchant has the information of the card owner. After the new deal, the business is expected to cooperate with the policy and launch convenience measures.
Miss Zhuo thinks that this move will protect consumers' rights and interests to a certain extent.
"Last year, I bought a prepaid card with a face value of 3000 yuan at a beauty salon, only 3 times. The beauty shop went bankrupt, and the money did not know where to look for it."
Through real name system, it is not only to supervise consumers, but also to supervise businesses effectively.
Some people think that the state stipulates that the shopping card must be a real name system. Any paction can leave a certificate and can be traced back to the owner of the card.
Once bribery is found, or clues can be provided, the specific effect remains to be seen.
Whether effective anti-corruption remains to be seen
For the real name card purchase system required by the opinion, there are also people questioned. "A large part of the buyers of prepaid cards are" buying cards not consuming, consuming not buying cards ", asking the buyers to ask for the real name system, but not requiring users of the card, which can not be achieved.
Some people think that it will be difficult to achieve the actual effect if the nominal prepaid card value is below 1000 yuan, and the card buyer can completely change the previous card into a number of cards under 1000 yuan, so as to circumvent the policy.
A staff member of a department store in Dongmen said, "there are loopholes in the new deal, and in order to avoid the real name system, 1 cards can not be opened, and 5 cards can be replaced. In terms of pfer, more than 5000 yuan can be divided into multiple payments."
{page_break}
Shenzhen Merchants: no real name registration is needed.
A few days after the publication of the "opinion", how about the local prepaid card market in Shenzhen? Yesterday, the reporter consulted the major supermarkets and department stores such as Carrefour, WAL-MART, year old Bao, Mao ye and Tianhong, to understand the actual situation, and found that the real name system in our city has not yet completely landed, and the policy response still needs time.
However, the positions of responsible persons in major supermarkets will be strictly enforced in accordance with relevant regulations.
Regulation: large value prepaid cards need real name registration.
Status quo: no real name registration is needed.
The "opinion" requires that the card issuer register for the purchase of a unit or individual of 10 thousand yuan or more.
In addition, the face value of the anonymous shopping card must not exceed 1000 yuan.
Reporters yesterday called for consultation with Carrefour, WAL-MART, year old Bao, Mao ye, Tianhong and other major supermarkets and department stores, and found that there is no need for real name registration cards at present. "We know that shopping cards need real name registration, but we haven't received any notice yet, and we still do not need real names according to the previous regulations," Carrefour shopping card consultant told reporters.
Regulation: large purchase of cards requires pfer payment.
Status quo: multiple payment modes coexist
The "opinion" requires that a one-time purchase of a unit with a sum of more than 5000 yuan or a one-time purchase amount of more than 50 thousand yuan per person should be pferred through bank.
Supermarkets and shopping malls visited by reporters said that they could be paid by cash, credit card, check, pfer and so on, and the customers who bought large cards were mostly non cash payment, and few people brought large amounts of cash to buy shopping cards.
"No real name system has yet been started, and there are many ways of payment. Cash, credit card, check, pfer can be done, but the check and pfer will only be successful after checking the accounts," he said.
The situation of Mao ye, Tianhong and WAL-MART is the same.
And Carrefour began to carry out according to the regulations, the staff said the day before yesterday, the notice, will be in accordance with the new regulations, for more than 5000 yuan of the company's prepaid card, by check, or pfer of the way to buy cards.
However, the real name system has not yet been implemented.
Stipulate: face value has an upper limit, need to set validity period.
Status quo: most face value is unlimited, long term available.
According to the opinion, the face value of the anonymous shopping card should not exceed 1000 yuan, and the upper limit of the registered shopping card is 5000 yuan.
Reporters found yesterday that most businesses had no upper limit on the face value of their shopping cards.
"How much money do you want to buy, how much money do you want," said the staff of sun department store.
Mae ye, Carrefour, WAL-MART, and Bao Bao also said that at present there is no upper limit of the purchase card face value, as long as 100 yuan can buy cards.
And Tianhong Department Store set the upper limit of the face value of the shopping card, which is 20000 yuan.
But this is also not much related to the newly issued opinions according to the previous internal regulations, which is far from the requirement of a nominal shopping card with an upper limit of 5000 yuan.
The opinion also requires that the registered commercial prepaid card has no validity period, and that the bearer business prepaid card shall be valid for no less than 3 years.
Most of the shopping cards in the market are not valid now, and the department stores such as Mae ye, Tian Hong, and Xiao Bao have indicated that there is no valid period for the shopping cards.
The two supermarkets of Carrefour and WAL-MART are 1 and 2 and a half years respectively.
However, the staff said, "over the validity period will be automatically renewed after consumption, so the so-called validity period is also a period of consumption."
Related links
Shopping card regulation process
In 1991, the general office of the State Council issued the notice on prohibiting the issuance of all kinds of token shopping coupons, and demanded that "the vouchers which have not been used before being issued will be discontinued and destroyed by the issuing units immediately".
In 1995, the law of the people's Bank of China of the People's Republic of China stipulates that no unit or individual shall print or sell token money instead of Renminbi in circulation in the market.
If these violations are found, they will be fined not more than two hundred thousand yuan. "
In December 1998, the office of the State Council's rectification office issued the following urgent notice: "no printing, sale, purchase and use of all kinds of token shopping cards".
In 2000, the regulations on Renminbi management once again stipulate that "all kinds of shopping vouchers, token money and so on are illegal."
In January 2001, the three ministries and commissions of the State Council, the State Planning Commission and the people's Bank of China jointly issued the circular on the prohibition of the issuance of various vouchers and cards, reiterated the injunction and demanded that the units that had already issued the shopping cards must be properly disposed before February 28, 2001.
In April 2011, the fourth clean government meeting of the State Council clearly pointed out that it is necessary to focus on the problem of receiving and sending gifts, and collect and send the same amount of cash to all kinds of securities, payment vouchers and commercial prepaid cards.
- Related reading
- Financial management | Wang Jinchuan: Gold And Silver Vulnerable To Change, Non US Continue To Fall
- Financial Dictionary | RMB Interest Rate Swap Centralized Settlement Agent Next Month
- Finance and economics topics | Lu Commissar: How Much Should The Exchange Rate Be Achieved By Achieving The Export Target?
- Popular this season | Light Romantic Girl Airport Summer Match
- neust fashion | 長(zhǎng)直發(fā)型搭配什么樣的衣服好看
- Market trend | High Prices Make Chinese People Crazily Sweeping Goods Abroad.
- Enterprise information | The Fast Fashion Giant Has Been Expanding Vigorously.
- Instant news | How To Get Rid Of The Mistake Of Washing Clothes
- College students'Entrepreneurship | From Students To CEO Zhang Linqiang'S Practitioner Of Drucker'S Philosophy
- Member area | Tianlun Tian And Asian Sand Row Refuel Sports Marketing Flames
- Brand Strategy: Win The World By Brand
- Yao Junda: Fighting Against Second-Hand Luxury Goods From Peddling To Billionaires
- Garment Foundry Mode Is Being Tested By Money Shortage.
- Shopping Malls 61 Promotion Activities
- Gem'S Market Value Evaporated More Than 210 Billion During The Year.
- Some GEM Companies Look At Customers' Face And Eat.
- Jilin Textile And Clothing Association Was Founded In Changchun. Qu Huixia Was Elected The First President.
- Gem Means Low &Nbsp; Fund Managers Are Still On The Fence.
- Kristy Yeung'S Hot Short Skirt Makes People Look Gorgeous.
- The EU REACH New Regulation Also Sprinkled Salt On The Wound "&Nbsp"; Small And Medium-Sized Enterprises Or Market Cleaning.