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近年来随着电子支付方式的盛行,并且已成为支付行业的主流,一种新型的支付模式—储值卡/会员卡也走入了人们的视线。然而,就目前状况来看,储值卡/会员卡虽然已经被广大群众所认可并使用,但是其仍然存在诸多问题,这些问题都将对社会和金融市场产生一些不利影响。为了更好的维护广大消费者的财产权益,加强商业机构与消费者之间信用,促进社会与金融市场的发展,笔者经过对当今储值卡/会员卡使用现状的研究,发掘问题根源并提出解决建议。
In recent years, with the prevalence of electronic payment methods, and has become the mainstream of the payment industry, a new payment model - stored value card / membership card has also entered the people’s attention. However, as far as the current situation is concerned, the stored-value card / membership card has been widely accepted and used by the general public. However, there are still many problems that will have some negative impacts on the social and financial markets. In order to better safeguard the property rights and interests of consumers and strengthen the credit between commercial organizations and consumers, and promote the development of social and financial markets, the author explores the root causes of the problems by studying the current status of using stored value cards / membership cards Solve the suggestion